Accidental Death and Dismemberment Insurance

What is Accidental Death and Dismemberment Insurance & who is it for?

Accidental Death and Dismemberment Insurance commonly referred to as AD&D Insurance or AD&D Coverage is a type of insurance policy that pays out benefits in the event a sudden and unexpected accident leads to death or severe injury resulting in dismemberment, such as the loss of a limb or the loss of vision.

AD&D insurance is for anyone who wants additional financial protection in the event of an accidental death or dismemberment and can be very useful to individuals who work in high-risk occupations, such as construction workers, firefighters, or police officers, as well as individuals who engage in high-risk activities such as extreme sports.

It is important to note that:

• While AD&D Insurance can provide valuable coverage, it cannot and should not be considered a substitute for traditional life insurance.
• A Life Insurance policy pays out a death benefit upon the insured's death from any cause.
• AD&D Insurance does not cover deaths or injuries resulting from illness or natural causes and only pays out if the death or dismemberment was the direct result of an accident.

AD&D insurance is usually sold as a rider to a life insurance policy but can be purchased as a separate policy altogether.