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Accidental Death and Dismemberment
What Is Accidental Death and Dismemberment Insurance?
Accidental Death and Dismemberment Insurance, or AD&D Insurance, is here to protect you and your family.
Best of all, it’s fast and easy to get covered. There is no medical exam to take, no long forms or applications to fill out, and you can get covered today with no waiting period.If you meet the age requirements, you are guaranteed approval, regardless of your health or occupation. You cannot be turned away!
With an AD&D Insurance policy in your back pocket, you could have added peace of mind knowing that you and your family would be protected in the event of a tragic accident.
AD&D Insurance Proceeds & Payouts
AD&D Insurance proceeds are paid out in a single, full lump sum after the claim is processed. There are no instalment payments for you to wait for and you get all your money all at once, just when you and your family need it most.
Benefits will automatically reduce by 50% on the policy anniversary following the insured person’s attainment of age 70, or after five years from the effective date, whichever provides the longer period of coverage.
Double Payout in Common Carrier Accidents
If you are injured or killed in an accident while riding as a fare paying passenger on a bus, train, airplane, ferry, taxi, or other type of common carrier, you are entitled to double the face amount of your AD&D Insurance policy.
Living Benefits of AD&D Life Insurance
Accidental Death & Dismemberment Insurance provides compensation “living benefits” for injuries suffered
Living benefits can be provided for injuries including:
- Loss of arm
- Loss of hand
- Loss of leg or foot
If you lose one limb, you would qualify for 50% of your policy face amount. If two or more limbs are lost, you would qualify for 100% of your policy face amount. Also, the amount paid to you as living benefits is not deducted from your policy’s face amount, which remains in full effect to cover future injuries.
What does AD&D Insurance Policy Cover?
AD&D Policy Details
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