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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. 

Why offer voluntary AD&D insurance?

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

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. 

 

One

Accidents

Accidents are the third leading cause of death in the United States1

Two

Significant cost savings

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

Reduce employee financial stress

More than one third (39%) couldn't cover a $400 emergency expense without using a credit card or borrowing money from friends or family2

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.     

Contact our sales team

1. Centers for Disease Control and Prevention. (2019). Leading Causes of Death.
2. “Report on the Economic Well-Being of U.S. Households in 2018,” Federal Reserve Board Division of Consumer and Community Affairs (DCCA), federalreserve.gov, May 6, 2019.

DOFU 11-2020
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