No one wants to think about the worst things happening in life, so let us help you work out a plan that makes sense for you.
Accidental Death & Dismemberment insurance is there to ease the pain of a fatal accident, or an accident that results in the loss of eyesight, speech, hearing, or a limb, by providing you or your beneficiaries with a pre-determined sum.
AD&D insurance pays you or your loved ones a set amount of money should a tragic accident occur. However, there are coverage restrictions that make Accidental Death & Dismemberment insurance a bit tricky. That’s why our team is here to help you get it right.
What is NOT covered by an AD&D policy?
Typical exclusions of AD&D coverage include death during surgery, mental illness, bacterial infection, hernia, or a drug overdose. In addition, many policies do not cover risky activities such as skydiving, or car racing. We can help you read the fine print when applying for this kind of policy.
Is an AD&D policy affordable for some that is considered low-income?
Depending on the amount of coverage you choose, AD&D policies can cost as little as $60 per year, making it a great option for people on a limited budget.
Are there restrictions to AD&D coverage?
Yes, in order to make this type of policy affordable, it does come with exclusions. To receive benefits related to an accident, your injuries or death would have to occur within a few months of the accident date. Also, you will only collect benefits if your death or injuries are proven, direct results of the accident.