Accidental death and dismemberment (AD&D) is a specific type of insurance coverage that you can either purchase as an endorsement, or rider, on your existing life policy or as a freestanding policy. AD&D coverage pays proceeds to your beneficiaries in the event of a lethal accident or an accident that causes you to lose a limb or a major function, such as your sight or speech. Accidental death is meant to supplement existing life insurance policies for people who are at risk for such perils and/or may be inadequately covered by their basic life policies. We’ll explain accidental death coverage in more detail in these posts.
Accidental Death Articles
What Is Dismemberment Insurance?Usually included as part of accidental death and dismemberment insurance (AD&D), dismemberment coverage will pay benefits if the insured loses a limb or an important function, such as sight. In this post, we’ll explain dismemberment insurance in more detail and help you decide if you need it. |
Doesn’t My Life Insurance Plan Cover Accidental Death?If you died in an accident, are you sure your basic life insurance policy would provide coverage? Chances are, your life insurance policy would cover your death, but accidental death insurance can be a helpful supplement to your existing coverage in many cases. Read this post for more information on how life insurance and accidental death insurance differ. |
Does “Accidental Death” Cover Me on the Job?Is there a particular type of insurance that will protect you if you are accidentally killed on the job? What about if you lose your eyesight or a hand? Learn what Accidental Death Insurance is and how it can protect you. |
Understand Accidental Death InsuranceThere are many factors you need to take into account when you discuss insurance policies. There might even be some policies you are not too familiar with. How about accidental death insurance? Do you know what this type of insurance will do for you and your family in the result of an accidental death? Before [...] |
There are many factors you need to take into account when you discuss insurance policies. There might even be some policies you are not too familiar with. How about accidental death insurance? Do you know what this type of insurance will do for you and your family in the result of an accidental death? Before [...]
Continue Reading »