Accidents happen every day — on the road, at work, or even at home. In fact, there are over 5 million car crashes in the U.S. each year. While we hope it never happens to you, being prepared can make all the difference for your loved ones.
What Is AD&D Insurance?
AD&D insurance includes everything found in accidental death coverage, plus additional benefits for specific serious injuries — such as:
- Loss of one hand, foot, or eye: 50% of benefit
- Loss of two limbs, eyes, or a mix: 100% of benefit
- Loss of hearing: 100% of benefit
- Full paralysis: 100% of benefit
- Partial paralysis: 50% of benefit
- Severe burns (20%+ body area): 100% of benefit
These payments are in addition to the full death benefit if death occurs in a separate accident later.
Common Carrier Benefit
If you’re injured or killed while traveling as a fare-paying passenger on public transportation (airline, train, bus, taxi, or ferry), your benefit may increase by 2–3 times. Private vehicles or charters do not qualify. Important Policy Details:
- Coverage typically reduces by 50% at age 70
- Benefits are only paid for covered accidents and usually only if death or injury occurs within 90 days
- Most policies expire at age 80
Common exclusions: illness, suicide, drug- or alcohol-related incidents, high-risk activities, war, surgical complications, and nuclear or biological events
Why Choose AD&D Insurance?
For approximately $14 per month, you can secure $100,000 in accidental death coverage (age limits apply). If you’re between 18 and 80, coverage is guaranteed regardless of health or medical history. Qualified U.S. citizens and permanent residents can maintain this protection as long as premiums are paid.
How to Buy
AD&D insurance can be purchased as a stand-alone policy or added as a rider to traditional life insurance — where permitted. Availability varies by state. To check eligibility, get a quote or call us at (800) 442‑9899.
Protect Against the Unexpected
