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Securian Financial

Accidental death/AD&D insurance

Added protection for the unexpected

Whether it happens at work or elsewhere, an accident that costs you a limb, your eyesight – or even your life – can permanently change your family’s finances. Protect your family from the unforeseen with accidental death or accidental death and dismemberment (AD&D) insurance.

What is accidental death insurance?

Accidental death insurance provides a payment in the event that you or a covered family member experience a fatal accident.

What is AD&D insurance?

AD&D insurance includes coverage for fatal and nonfatal accidents involving dismemberment or loss of eyesight, hearing or other key functions.

Some policies do not require you to answer questions about your health when enrolling and others allow you to enroll in coverage for your dependents, too.

With most policies, benefits are paid in addition to life insurance or other coverage you may have and surviving beneficiaries may use the money however they wish.

How accidental death and AD&D insurance work



Despite quick emergency response to the crash scene, Jenny’s husband Tom does not survive his car accident.

The arrangements.

Unfortunately, Jenny and Tom have not made any end-of-life prearrangements. Jenny is forced to make quick decisions about Tom’s funeral.

The aftermath.

In the following months, bills begin arriving from first responders, the hospital, funeral home, cemetery and others.

The relief.

Because Tom had accidental death insurance, Jenny receives a cash payout and uses it to help pay the mounting bills.

What accidental death and AD&D insurance covers

Both accidental death and AD&D insurance cover loss of life resulting from a covered accident. Additionally, AD&D insurance can provide coverage for some or all of the following conditions resulting from an accident:

  • Loss of limbs
  • Loss of fingers
  • Loss of eyesight
  • Permanent paralysis

Additional conditions may be covered, depending on the policy, and limitations may apply; be sure to review details and exclusions before enrolling in a policy.

Why it makes sense

Approximately 190,000 people die each year in the U.S. due to a traumatic injury.1 Of the 185,000 amputations performed annually,2 600 of them are just on children who have an accident with a lawnmower.3

Traumatic accidents happen all the time without anyone seeing them coming. Aside from the trauma and grief they cause, they can result in lost income, emergency medical costs and other unforeseen expenses.

AD&D insurance is one protection you can put in place to help protect your family’s finances.

1. Centers for Disease Control and Prevention, National Center for Injury Prevention and Control.

2. M. Owings, and L.J Kozak., National Center for Health. “Ambulatory and Inpatient Procedures in the United States.”

3. K. Ziegler‐Graham, E.J. MacKenzie, P.L. Ephraim, T.G. Travison and R. Brookmeyer. “Estimating the Prevalence of Limb Loss in the United States: 2005 to 2050.”

DOFU 5-2017