Accidental Death & Dismemberment Insurance
Accidents can happen anywhere and when least expected. Accidental Death & Dismemberment (AD&D) insurance provides financial protection by paying a lump-sum benefit when a covered accident results in death or certain serious injuries, such as the loss of a limb, sight, or other covered losses.
Coverage may be available to individuals between the ages of 18 and 75, subject to the specific insurance product, eligibility requirements, and policy terms. AD&D insurance can provide an additional layer of financial protection, particularly for individuals whose families depend on their income.
In the event of a covered accidental death, benefits can help loved ones manage financial obligations, replace lost income, and maintain financial stability. When a covered accident results in dismemberment or another qualifying loss, benefits are generally paid according to the policy's benefit schedule.
Whether purchased as standalone protection or to complement existing life insurance, AD&D insurance provides an affordable way to strengthen your financial protection against the unexpected.
Coverage, eligibility, benefits, exclusions, and limitations vary by policy and insurance carrier. Please refer to the applicable policy documents for complete terms and conditions.
What does an Accidental Death and Dismemberment Policy Cover?
- 24-Hour Accidental Death – Round-the-clock insurance protection. Most comprehensive coverage available.
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Short-Term Accidental Death Insurance
When travel, work, or recreation takes you beyond your everyday routine, Short-Term Accidental Death Insurance can provide an additional layer of financial protection for a defined period.
Designed for temporary travel, activities, and specialized exposures, this coverage may be suitable for individuals traveling by helicopter, private aircraft, boat or watercraft, as well as those participating in certain excursions or other short-term activities where additional accidental death protection may be desired.
Depending on the policy, coverage may:
- Provide a lump-sum benefit in the event of a covered accidental death or qualifying dismemberment.
- Offer protection for a specific trip, activity, or defined period.
- Supplement existing life, accident, or travel insurance coverage.
- Provide access to higher benefit limits or specialized coverage for qualifying risks.
Short-Term Accidental Death Insurance can be an effective solution for individuals seeking additional protection for a particular trip, activity, or temporary exposure without purchasing a longer-term policy. Coverage availability, limits, eligible activities, exclusions, and policy periods vary by insurance carrier and jurisdiction. Certain activities or exposures may be excluded. Please refer to the applicable policy documents for complete terms and conditions.