Accidental Death Insurance

Accidental Death and Dismemberment (AD&D) insurance protects you and your family if you are seriously injured or killed in an accident.

Accidental Death and Dismemberment is also referred to as AD&D and Accidental Death Insurance.

It’s fast and easy to get an AD&D policy.  There are no long forms to fill out, no medical exams to take and no waiting period – your coverage starts right away.

You are guaranteed approval if you are between the ages of 18 and 80 and are a current US resident, no matter your health or occupation.

In other words, this is guaranteed issued!

An AD&D policy helps give you added peace of mind that can only come from knowing that you and your family would be protected in the event of a tragic accident.

Accidental Death Insurance

Accidental Death Insurance Policy Details

If you’re between the ages of 18 and 69, you can choose from $100,000 up to $500,000 worth of coverage. Between the ages of 70 and 80, you can get coverage from $50,000 up to $250,000. You can also choose to add your spouse to the policy, and even your children. Spouse benefits are 50% of primary insured’s benefits and child benefits are 20% of primary insured’s amount.

Benefits automatically reduce by 50% on the policy anniversary following the person’s 70th birthday or after 5 years from the effective date, whichever provides the longest period of coverage.

The policy is guaranteed renewable for life. This means that you may continue the coverage for life by paying premiums when they are due. Premiums may be changed, but only on a class basis, not based on your individual claim history.

Accidental Death and Dismemberment Payouts

The accidental death insurance policy pays 100% of the benefit shown in the policy schedule if the insured person dies as the result of an accidental injury.

On top of the death benefit, the policy pays the following dismemberment benefit as a percentage of the accidental death benefit

For the loss of:

Hands or Arms:                                                                                                    100%
Both Feet or Legs                                                                                                 100%
Sight of Both Eyes                                                                                                100%
One Hand or Arm and One Foot or Leg                                                          100%
Either One Hand or Arm or One Foot or Leg and Sight of One Eye         100%
Either One Hand or Arm or One Foot or Leg                                                  50%
Sight of One Eye                                                                                                     50%

Paralysis Benefit as a percentage of accidental death benefit

For the Loss Of:

Quadriplegia                                                                                                       100%
Paraplegia                                                                                                             50%
Hemiplegia                                                                                                           50%

Frequently Asked Questions

Why Should I Buy Accidental Death & Dismemberment (AD&D) Insurance?

Accidental DeathAccidents are the #1 cause of death for people under the age of 45 and a leading cause of death for all adults.

Having an accidental death and dismemberment insurance in your back pocket gives you added peace of mind at a VERY reasonable price.

Also, if a medical condition or lifestyle activity prevents you from qualifying for a traditional life insurance policy, an accidental death insurance policy will offer some measure of protection when you would otherwise have none.

What is Accidental Death & Dismemberment Insurance (AD&D)?

Accidental death and dismemberment insurance protects you in the event you are injured or killed in an accident. It can be purchased separately or as supplemental insurance in addition to term or whole life coverage.

AD&D provides a cash amount to beneficiaries if you die or suffer a partial or complete dismemberment injury in a covered accident.

How Do I Buy AD&D Insurance?

You can buy accidental death insurance over the phone by calling us today. There is no medical exam to take, you are guaranteed to be approved, and coverage can start today.

The application is short and can be done totally over the phone or we can e-mail you an application to fax back to us. Whichever you’re more comfortable with.

Do I Have to Take a Medical Exam?

No. This is guaranteed issued coverage and there is no waiting period for your coverage to begin.

Can I be Denied an Accidental Death and Dismemberment policy?

No. If you are between the ages of 18 and 80 and live in the United States, you are guaranteed coverage regardless of any health issues or other factors.

What if I Have Medical Problems?

You can qualify for accidental death and dismemberment insurance even if you have pre-existing medical conditions. You cannot be turned down for coverage as long as you are between the ages of 18 and 80 and live in the United States.

What Does an AD&D Insurance Policy Cover?

An accidental death and dismemberment insurance policy covers death or injuries which are proven to be direct results of an accident. Accidents involving car wrecks, work related machinery, falls, poisoning, choking, drowning, and fires are among the accidents that are covered by an accidental death and dismemberment policy.

An AD&D policy also covers dismemberment (partial or total loss of a hand, arm, or other body part) as well as paralysis and the loss of sight, speech, or hearing.

Generally, a death must occur within a few months of the accident in order to fall under the policy. Death or injury that is not directly the result of an accident is not covered by the policy.

What Is Not Covered by AD&D Insurance?

Most accidental death and dismemberment policies do not cover injuries or deaths caused by high risk activities such as car racing, sky diving or bungee jumping. Also not covered are deaths caused by surgery, mental or physical illness, drug overdose, bacterial infection, drinking and driving, suicide or attempted suicide.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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