Accidental Death & Dismemberment
Financial protection for specified serious accidents.
What is it designed to do?
Accidental Death & Dismemberment insurance, often called AD&D, may pay a benefit for a covered accidental death or certain serious injuries or losses. The policy sets out which events qualify and the amount payable.
Why consider it?
A serious accident can affect a household’s income, care needs and future plans. AD&D may add a specific layer of protection, but it is important to understand its narrower purpose and how it fits with life and disability insurance.
Details worth understanding
- Review the covered accidental events and specified injuries.
- Check benefit schedules, exclusions and time limits.
- Review your beneficiary designation and any existing workplace coverage.
An accident may create different financial needs for you and for people who rely on you. A review can help distinguish those needs before you choose coverage.
A common question
Is AD&D the same as life insurance?
No. AD&D is tied to covered accidental events. It does not provide the same breadth of protection as life insurance and should not be treated as an equivalent replacement.
Keep exploring
General information only. Benefits and eligibility depend on the insurer and the policy’s definitions, terms, conditions, limitations and exclusions.
A clearer picture starts
with a conversation.
Bring your questions. We’ll work through them together.