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Securian Financial

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. 

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

Why offer voluntary AD&D insurance?

Adding a voluntary group AD&D insurance plan to existing employee benefit packages is something employees are demanding. 

As of 2015, 85 percent of U.S. companies offer AD&D insurance to their employees.1 This trend has continued to rise over the past three years, and is an important benefit in financial wellness programs.



Accidents are the fourth leading cause of death in the United States²

Significant cost savings

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

More than half (51%) of U.S. employees

More than half (51%) of U.S. employees report not having enough emergency savings for unexpected expenses as their top financial concern³

AD&D coverage provides employees with an additional layer of financial protection allowing them to adequately purchase enough combined Life and AD&D coverage) to protect their family’s financial future. 

How voluntary group AD&D insurance works

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 voluntary group AD&D insurance 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.     

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1. Society for Human Resource Management, “An Overview of Employee Benefits Offerings in the U.S.” 2015.
2. Centers for Disease Control and Prevention. (2016). Leading Causes of Death.
3. Financial Wellness Index, PricewaterhouseCoopers, 2015

DOFU 11-2017