Accidental Death & Dismemberment (AD&D) Insurance

Accidental Death & Dismemberment (AD&D) Insurance is a type of insurance that pays a benefit if you die or lose a body part in an accident. It is different from life insurance, which pays a benefit regardless of the cause of death. AD&D insurance can provide extra financial protection for you and your family in case of a tragic event.

Some of the benefits of AD&D insurance are:

• It can cover accidents that happen anywhere in the world, 24 hours a day, 7 days a week.
• It can pay a lump sum or a percentage of the benefit amount depending on the type and severity of the injury. For example, you may receive 100% of the benefit for losing both eyes, both hands, or both feet, but only 50% for losing one eye, one hand, or one foot.
• It can supplement your life insurance or disability insurance if you have them. For example, if you have a $100,000 life insurance policy and a $50,000 AD&D policy, and you die in an accident, your beneficiaries may receive $150,000 in total.