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Voluntary group AD&D insurance

Adding more value to existing coverage

Voluntary group accidental death and dismemberment (AD&D) insurance is a simple way for employees to supplement their life insurance coverage with additional protection if they or a family member dies or is dismembered as a result of a covered accident. 

Why offer voluntary AD&D insurance?

For employers, group AD&D insurance is an easy benefit to administer and can add significant value to a comprehensive employee benefits program at a low cost.

This coverage provides employees with an additional layer of protection, allowing them to adequately purchase enough combined life and AD&D insurance to help protect their family’s financial future and give them peace of mind.



Accidents are the third leading cause of death in the United States.1


Significant cost savings

Significant cost savings for employers and employees Basic Life Premium reduction, Optional Life Premium reduction.


Reduce employee financial stress

Research shows that finances are the number one source of daily stress for U.S. adults.2

How does this benefit work?

Voluntary group AD&D insurance provides additional financial protection if an insured’s death or dismemberment is due to a covered accident, whether it occurs at work or elsewhere. 

What does the policy cover? 

Voluntary group AD&D plans can be added to a benefit package in a variety of ways. 

  • Basic AD&D is employer-paid coverage, which provides an accidental death benefit often equal to an employee’s basic term life insurance amount.
  • Voluntary/Supplemental AD&D offered as employee-paid coverage can be tied to  supplemental life insurance coverage or as a separate, stand-alone election.
  • Dependent AD&D insurance is an employee-paid coverage that provides spouses and children with additional protection. 

Additional features

Business travel accident (BTA)

Available as a rider to a term life policy or as an additional AD&D benefit, business travel accident provides a lump-sum payment if an insured employee dies or is injured from a covered accident while traveling for business.

Protection is no accident

Learn more about voluntary group AD&D and tailor a plan to meet your needs.     

Contact our sales team

1. Centers for Disease Control and Prevention. (2022). Leading Causes of Death.
2. PwC, Employee Financial Wellness Survey, 2023.

DOFU 2-2024