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Accidental death & dismemberment 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. Help protect your family from the unforeseen with accidental death and dismemberment (AD&D) insurance.

What is AD&D insurance?

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

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.

What AD&D insurance covers

AD&D insurance covers loss of life resulting from a covered accident and 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

Traumatic accidents happen all the time without anyone seeing them coming. Aside from the trauma and grief they may 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.

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This is a limited benefit policy - Accidental Death and Dismemberment insurance has exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. 

DOFU 4-2022