supplemental accidental death & dismemberment

accidental death and disability 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 die unexpectedly, your loved ones or family might need immediate financial assistance. This is a unique standalone product designed to pay only if your death occurs due to a covered incident, as specified in the policy terms. No medical exam is required.

how to make your death look accidental


You need coverage quickly. There is no waiting period or medical exam required to get coverage. This is an advantage if insurance protection is needed immediately.

how to make your death look accidental
life insurance versus accidental death

life insurance versus 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.

should you get accidental death and dismemberment insurance


Benefits are included in most policies and can be used by surviving beneficiaries to make their own decisions.

accidental deaths in movies

accidental deaths in movies


You need coverage quickly. You can apply immediately for coverage without a waiting period or medical exam. This is a great advantage if your immediate need for insurance protection is urgent, such as if you are planning to travel.

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Traumatic accidents happen every day without anyone realizing it. These accidents can cause grief and trauma, but they also lead to lost income, unexpected medical expenses, and other expenses.

bertozzo accidental death of an anarchist

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.