In today’s fast-paced world, accidents can happen, sometimes leading to serious injuries or even death. Many families are unprepared for the sudden financial hardship that can be brought on by an accidental death or the high cost of living when an accident results in a life-altering injury. If a family is dependent on a regular paycheck, losing the income from a primary wage earner can be overwhelming.
AD&D insurance, or Accidental Death and Dismemberment coverage, can help reduce the financial burden of an accident. As the name suggests, if you were to die suddenly or suffer a dismemberment due to a covered accident on or off the job, you or your beneficiary would receive the benefit amount you chose upon purchasing coverage.* Many AD&D insurance options pay a benefit if an accidental injury results in an insured’s loss of life, limb, sight, hearing or speech that occurred within 365 days of the injury.
This affordable option can supplement existing life insurance coverage and offer 24/7 protection whether you’re at home, on the job or traveling in between. AD&D insurance benefits are paid in addition to any life insurance benefit and can help safeguard your family’s lifestyle if the income you provide is no longer available.
AD&D benefits can be used for immediate or future financial needs, including:
An accident can be a life-changing event, but having coverage in place can protect your family from financial challenges or having to make sudden lifestyle changes due to the loss of income. Learn more about how AD&D insurance can offer 24/7 accident protection.
Source: Accidents or Unintentional Injuries. CDC. September 2023
*Not all types of dismemberments are covered under the policy. Insureds should refer to their Certificate for coverage specifics.
