accidental death coverage

adult accidental death & dismemberment insurance


AD&D's Dismemberment Benefits may be a good option if you are concerned about your ability to pay for medical expenses. However, these benefits are limited to accidents only and do not cover other medical issues. Term life insurance policies can be affordable and come with many riders that offer assistance, such as disability income, waivers of premiums and an accelerated funeral benefit in the event you are permanently disabled.


If you are suddenly and unexpectedly killed, your loved ones and families may need financial support immediately. This standalone product can only pay out if your death is due to a covered accident as per the policy terms. There is no medical exam required for coverage.

accidental death rider payout


Accidental death & dismemberment insurance is also known as AD&D Insurance. It provides protection for your family should you or a loved one lose a limb due to an accident. AD&D insurance can be compared to a life policy. Both offer a death benefits, but the beneficiary would not get a payout in the event you die from an illness.

accidental death rider payout
vehicular homicide is similar to accidental death

vehicular homicide is similar to accidental death


AD&D insurance provides coverage for fatal and non-fatal accidents that result in the dismemberment, loss or destruction of sight or hearing.

what is considered accidental death


Many policies offer benefits that can be added to life insurance and other coverage. The money can also be used by surviving beneficiaries if they so choose.

accidental death rider is also known as

accidental death rider is also known as


Most policies include benefits, which are added to life insurance or another coverage. Surviving beneficiaries may also use the money however it suits them.

group accidental death and dismemberment insurance


Although an accidental-death insurance policy can be affordable, it does not provide the same level of protection as conventional life insurance policies. This type of policy is usually used to supplement life insurance coverage and not as a standalone policy.

group accidental death and dismemberment insurance

Frequently Asked Questions


Typically, accidental death covers exceptional circumstances, such as exposure to the elements, traffic accidents, homicide, falls, drowning, and accidents involving heavy equipment. AD&D insurance is supplemental life insurance and not an acceptable substitute for term life insurance.


Accidental death insurance

While accidents only accounted for 5.4% of deaths in the United States in 2016, they made up 30.2% of deaths for people between the ages of 25 to 44. This is why accidental death insurance typically isn't worth it if you're near retirement age or just need coverage for end-of-life expenses.
 


When accidental deaths occur, though, typical causes of accidental death or dismemberment claims are motor vehicle accidents, falls, poisoning, drowning, and gunshot injuries. Death by homicide is also considered an accidental death. But not every death resulting from such causes would be considered accidental.