Accidental Death and Dismemberment (AD&D) Insurance

Accidental death and dismemberment insurance policy, also known as AD&D insurance, is a low-cost alternative to life insurance. It is a way for people who might otherwise be declined or worry about being rejected for traditional life insurance. Keep in mind there are a handful of life insurance policies that will approve anyone.

Accidental death insurance policies are also a cost-effective means to add extra financial protection along with a traditional life insurance policy. The policies below are for those people age 70 and under.

If you are age 71 or over, go here to learn about Accidental Death Insurance for ages 71+.

Table of Contents

• What Does AD&D Insurance Cover?
• Benefits of Having an AD&D Coverage
• Accidental Death Insurance Quotes
• Buy Accidental Death Insurance Online
• Age and Amount of Coverage by Company
• Top 5 Accidental Death Insurance Companies
  • Assurity Life Accidental Death Plus
  • Gerber Life Accident Protection Plan
  • Fidelity Accidental Death Benefit (ADB) Policy
  • Mutual of Omaha Guaranteed Advantage Accidental Death Insurance
  • Lloyd’s of London – Specialized Accidental Death and Dismemberment Plans
• Sample Accidental Death Insurance Premiums
• What’s the Difference Between Accidental Death Insurance and Life Insurance?
• Abrams Insurance Solutions Offers Low-Cost Accidental Death Insurance

What Does AD&D Insurance Cover?

AD&D insurance provides essential protection in the event of unforeseen circumstances. It specifically covers fatalities and severe injuries resulting from accidents, making it an invaluable safeguard for individuals who engage in high-risk activities or have concerns about their safety. From car crashes to workplace mishaps, this coverage ensures that your loved ones receive financial support when they need it most.

In addition to covering accidental deaths, AD&D insurance also provides added benefits for dismemberment—meaning loss of limbs or other significant bodily functions due to an accident. This coverage can provide financial support for medical expenses, rehabilitation costs, and loss of income if you are unable to work due to the injuries sustained.

AD&D policies generally outline specific conditions under which benefits are paid. For instance, they may cover accidents occurring in various settings—such as at home, on the road, or in the workplace—through exclusions typically found in the policy. It’s essential to read the terms and conditions carefully to understand what is included and what is not.

Keep in mind that some accidental death policies do not provide benefits for dismemberment, like loss of limbs or vision. It’ll depend on your policy.

Benefits of Having an AD&D Coverage

Understanding the significance of Accidental Death and Dismemberment (AD&D) insurance is crucial for anyone seeking to enhance their financial security. This type of coverage serves as a vital safety net, ensuring that your loved ones are protected in the unfortunate event of an accident resulting in death or severe injury.

Imagine the peace of mind knowing that if tragedy strikes, your family will have financial assistance to help them cope with unexpected expenses. AD&D insurance typically pays out a lump sum benefit in the event of accidental death, which can be used for funeral costs, outstanding debts, or other financial obligations that may burden your loved ones during an already difficult time.

Affordable Additional Protection

One of the primary benefits of AD&D insurance is its affordability compared to traditional life insurance policies. For individuals looking for extra financial security without the high premiums, AD&D offers a cost-effective solution.

You will be surprised at how inexpensive accidental death insurance is. For just pennies a day, you can get coverage ranging from $50,000 to as high as $500,000. Most insurance companies also guarantee that premiums will never increase.

Unlike life insurance, the cost of AD&D depends on how much you buy, not your health. Companies charge X dollars a month per $1,000 of benefit.

We included some sample premiums toward the bottom for the most common benefit amounts. Just scroll down until you see the tables.

Supplement to Term Life Insurance

Many people opt for AD&D coverage as an additional benefit alongside their term life insurance policy. This combination provides comprehensive protection and ensures that your loved ones are supported in the event of both accidental death and natural causes. While term life insurance covers a broader range of scenarios, AD&D specifically targets accidents, making it a valuable supplement.

Coverage for Dependent Children

Some AD&D policies extend coverage to dependent children, offering parents peace of mind knowing their kids are protected in case of an accidental injury or death . This feature can be particularly reassuring for families with active children who may face a higher risk of accidents during play or sports activities.

No Medical Exam Required

Another benefit of accidental life insurance is that there is no medical exam. Many companies will not even ask health or occupation questions. Some companies ask a few health questions. Others will also ask you about your occupation. Your best bet is to speak with an independent life insurance agent who is not bound to any one company.

Easy Application and Guaranteed Approval

In addition to the above benefits, AD&D insurance typically features an easy application process with guaranteed approval for qualified applicants. This means that even if you have pre-existing health conditions, you may still be able to secure coverage without the need for an extensive medical review. This accessibility makes AD&D a practical option for individuals looking to enhance their financial security without the complexities often associated with traditional life insurance policies.

You can apply entirely online with one of our options. Click here to view quotes and start your application.

Comes with Riders and Additional Coverage

Many accidental death policies provide coverage for your whole family. Additionally, if you pass away in a car accident or while using public transportation, you may be eligible for extra death benefits beyond the policy’s face value.

You can also get insurance riders to boost your coverage, like a Return of Premium Rider (ROP Rider), Waiver of Premium Rider, Total Disability Rider, Disability Income Rider, or Family Accidental Death Rider.

Accidental Death Insurance Quotes

To get quotes for AD&D insurance, you can start by comparing different policies and providers. Many online platforms (like ours) allow you to input your desired coverage amount and receive instant quotes from various insurance companies. Be sure to evaluate the terms of each policy, including any exclusions or limitations that may apply.

When considering an AD&D policy, think about the coverage amount that aligns with your financial needs. For instance, if you are the primary breadwinner in your family, you may want a higher coverage amount to replace lost income in the event of an accidental death. Conversely, if you’re seeking coverage mainly for funeral costs or to cover specific debts, a lower benefit amount might suffice.

Similarly, it’s also essential to assess your lifestyle and potential risks when determining the appropriate level of AD&D coverage. For instance, individuals who engage in high-risk activities— such as extreme sports, construction work, or frequent travel—may want to consider higher coverage limits due to the increased likelihood of accidents. Understanding your unique situation will help you choose the right policy that offers sufficient protection for your loved ones.

You can find Accidental Death Insurance quotes in the box on this page. Each company’s rates are determined individually, so you won’t find a lower price for the same policy. The quotes can go up to $500,000 and are available for individuals up to age 70.

For quotes for individuals aged 71 and over or for amounts greater than $500,000, please reach out to us directly. Additionally, you have the option to combine multiple policies from various companies to obtain higher coverage.

Buy Accidental Death Insurance Online

Assurity is the only company that offers the option to purchase accidental death insurance completely online. This policy comes from a reputable company and is a good choice.

To purchase this policy, you must meet these qualifications:

• Age: 18 to 70 years old
• Coverage: $5,000 to $350,000
• Do not live in these states: NM, OR, NY, ME, NH, MA

Click here to view quotes and apply online.

Age and Amount of Coverage By Company

The Accidental Death quoter on this page covers all companies except for Lloyd’s. Not all companies are available in every state.

To get a quote for Lloyd’s, please contact us directly.

Top 5 Accidental Death Insurance Companies

Now that we’ve covered the basics of Accidental Death and Dismemberment (AD&D) insurance, let’s explore the top five companies that offer this type of coverage. Understanding which insurers provide robust policies can enhance your financial security and help you make an informed choice.

We have gathered a list of the top 5 insurers that provide accidental life insurance, which includes:

• Assurity
• Gerber
• Fidelity
• Mutual of Omaha
• Lloyd’s of London

Let’s break down the policy features and benefits of each provider to help you determine which may best fit your needs.

1. Assurity Life Accidental Death Plus

Assurity offers accidental dismemberment insurance coverage that covers you in the event of accidental death. This coverage is available 24/7, whether you are at work or not.

Additionally, Assurity has introduced Accidental Death Plus, a new policy that features a quick online application process with nearly instant approval and coverage. Click here to view quotes and apply immediately.

It is important to note that for Assurity the premiums remain consistent throughout the policy, which continues until the age of 80.

Moreover, Assurity has put in significant effort to simplify the user experience for their online applications, resulting in a highly user-friendly platform. Users have the option to complete the process without speaking to an agent, and there is no requirement for a medical exam.

Product Features

A notable aspect of the new accidental death insurance provided by Assurity is its updated application portal. When you use the link above to apply, your application will be approved on the same day, or in just a few minutes, provided you meet the qualifying criteria.

Accidental death insurance provides various coverage benefits and options.

• Issue age – 18 to 70
• Coverage amounts – $5,000 to $350,000
• Premiums – level and guaranteed renewable to age 80
• No medical exam

Moreover, they include a free AD&D rider with the policy, the Dismemberment and Paralysis Benefit. It pays a portion of the benefits early with the sewerage or loss of use of limbs, eyes, or hearing in both ears.

Optional Riders

The Assurity ADB policy allows you to choose from various additional coverage riders, which require an extra premium. These include:

• Accident-Only Disability Income Rider– pays a monthly benefit for an accident resulting in total disability
• Child Accidental Death Rider Plus– allows you to add a child to your policy
• Critical Accident Rider– pays a lump-sum benefit for hospital confinement for a covered accident
• Disability Waiver of Premium Rider– waives premiums on the policy for total disability
• Return of Premium Rider– returns a portion of your premiums at the end of the term
• Spousal Accidental Death Rider Plus– allows you to add your spouse to the policy

Click Here for a Product Brochure TK brochure

Note: This product will replace the previous Acci-Flex accidental death policy as it becomes available in more states. If you live in Maine, Massachusetts, New Hampshire, New Mexico, New York, or Oregon, click this link for a review of Assurity’s Acci-Flex policy.

2. Gerber Life Accident Protection Plan

The Gerber Life Accident Protection Plan offers coverage for accidental death and dismemberment at all times, 24/7.

This coverage offers several key benefits, including:

• Guaranteed Approval – no medical exam or health questions
• Rates will never increase
• Benefits begin the first day and never decrease
• Premiums depend on the amount of coverage and NOT the age of the insured
• Qualify regardless of health or occupation
• No Waiting Period

Additional Features of Gerber Life Accident Protection Plan

Gerber’s AD&D policy provides comprehensive coverage that is designed to offer financial security in the event of unforeseen circumstances such as accidental death or dismemberment.

The policy differs by state, with some states having different age and benefit limits than others. However, the following guidelines are generally correct for most states.

• Face amounts range from $50,000 up to $250,000
• Applicants must be between 18 – 69 years of age.
• Your spouse and dependent children are also eligible for coverage. Your spouse can receive up to 100% in coverage and each child (up to age 17) is also eligible to receive up to $25,000 in coverage.

3. Fidelity Accidental Death Benefit (ADB) Policy

Fidelity ADB Policy is designed to provide financial protection for individuals and their families in the event of an accidental death. This policy offers a straightforward approach to securing coverage, with several features tailored to meet the varying needs of policyholders. Here are some policy features you should know:

• In case of an accidental death, the Fidelity ADB policy will provide benefits within 90 days.
• The ADB policy is a guaranteed issue policy. There are no medical questions. Plus, most applications receive approval within 24 hours.
• The policy provides full benefits until age 70, after which the benefits are reduced by 50%. They will stay at this level until the policy ends when they turn 80.
• You have extra coverage for vehicle and travel accidents as well. These include:
  • Auto Safety Benefits will provide an additional 10% coverage in the event of death while the insured is either driving or riding as a passenger, provided that the insured is wearing a properly fastened, factory-installed seat belt at the time of death.
  • Travel Accident Benefits will provide an extra 100% payout in the event of the insured’s loss of life while riding as a passenger on a public transport service operated for hire.

Policy Features

Fidelity’s ADB policy is available to anyone between 20 and 59 years of age and insurance benefits range from $50,000 – $300,000.

Riders Available

Additional coverage options are available through riders for an extra premium. The riders available include:

• The Return of Premium rider gives the policyholder a portion of their premiums back when the policy rider expires.
• The Inflation Rider will automatically increase the policy’s death benefits. It will raise the death benefit amount by 5% of the initial policy value during years 2 to 6, and then remain at that level afterward.
• A Family Accidental Death Benefit Rider can offer extra benefits for your spouse and dependent children.

Additional Benefits of Fidelity ADB:

• The Spouse and Dependent Children Benefit provides additional benefits to the beneficiary in the event of the accidental death of an insured spouse or children.
• If both the insured person and their spouse die in an accident within the same 24 hours, the spouse’s coverage will be raised to 100% of the base benefit.
• The College Fund Benefit will add an extra 10% to the base policy benefit for each child aged 15 to 22 years.

4. Mutual of Omaha Guaranteed Advantage Accidental Death Insurance

Mutual of Omaha provides guaranteed coverage through their Guaranteed Advantage Accidental Death Insurance. Guaranteed coverage means they cannot turn you down for a policy when you apply.

This policy is a type of simplified issue, indicating that there will be:

• No medical exam
• No medical questions
• No occupation information

Policy Features

You can apply for this policy if you are between 18 and 70 years old. The accidental death benefit coverage ranges from $50,000 to $500,000.

• Round-the-clock accident coverage.
• In the family coverage plan, coverage for a spouse is fully covered at 100%, while coverage for children is at 20%.
• If you die in an accident while being a fare-paying passenger on a common carrier like a boat, bus, or airplane, the common carrier benefits will pay double the accidental death benefit.
• If the insured is killed while driving or riding in a private car, or if they are struck by a car on a public street or highway, the Auto/Pedestrian benefit pays an extra 25% of the accidental death benefit. 

Family Coverage Options

Your spouse can be covered if they are between the ages of 18 and 70, and they can stay on the policy until they turn 80.

Additionally, you can extend coverage to unmarried dependent children who are under 19 years old or continue it until they reach 23 if they are enrolled as full-time students at an accredited college or university.

Return of Premium Rider

You can include a Return of Premium (ROP) rider for an extra cost. This option enables you to get back a portion of the premiums you’ve paid if you decide to cancel.

5. Lloyd’s of London – Specialized Accidental Death and Dismemberment Plans

Lloyd’s of London is a non-traditional carrier that offers coverage options for individuals who might find it difficult to obtain insurance elsewhere. They tend to handle specialized cases, including:

Accidental Death and Dismemberment Insurance for amounts exceeding $500,000.

The highest AD&D policy offered by traditional insurers has a face amount of $500,000, and this is only available through Mutual of Omaha. Other insurance companies provide lower coverage limits.

However, non-traditional insurance provides alternative coverage options that don’t follow standard rules when traditional options are unavailable in the market. So, in this case, you can get up to $100,000,000 in coverage.

The Lloyd’s plan also covers unique situations that standard accidental death policies do not cover, such as:

• War zones
• Terrorism
• Car racing or other motorsports
• Mountain climbing or other extreme sports

Their standard plan does not provide coverage for all types of hazards, such as war, whether declared or not. You need to request additional coverage for those specific concerns. And since they are non-traditional, you’ll need to call to obtain a quote that is customized for your specific needs and coverage scenarios.

Accidental Death Insurance For 71 And Over

When you turn 71, traditional life insurance companies will no longer provide accidental death policies. You’ll need to explore alternative options.

Regulatory authorities have different guidelines for non-traditional insurance companies. These insurers have a little more flexibility with the rules, meaning they can offer a broader range of coverage in more scenarios.

Lloyd’s of London (a non-traditional company out of England with US distributors) offers accidental death policies to anyone over 70. They do cost a little more, but they’re also the only option for anyone 71 or older.

Accidental Death Insurance for Private Pilots

Traditional AD policies don’t include coverage for private pilots, but commercial airline pilots are an exception to this.

However, if you have a pilot’s license or run a small, private operation, you can still get accidental death. You’ll need to go through Lloyd’s of London.

Since their quotes are always custom, here’s the information you’ll need to see what your rates would look like:

• Total hours flown
• Hours flown in the last 12 months
• Hours expected to fly in the next 12 months
• Type of pilot license and rating
• Type of aircraft
• Do you fly for hire?
• Occupation

Because they’re a super specialized carrier, you can’t get rates through the instant quotes tool. You’ll have to call in (858) 703-6178 with the above information.

Sample Accidental Death Insurance Premiums

As mentioned before, the premiums for Accidental Insurance are generally lower than most other types of life insurance. Below, you can find the two most common benefit amounts available for various ages, along with the corresponding monthly rates.

AD Sample Rates – Men	$100,000	$250,000	$500,000
Age 25	$11	$26	$64
Age 35	$11	$22	$64
Age 45	$11	$20	$64
Age 55	$11	$23	$68

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AD Sample Rates – Women	$100,000	$250,000	$500,000
Age 25	$8	$14	$36
Age 35	$8	$14	$36
Age 45	$9	$15	$36
Age 55	$10	$17	$44

What’s the Difference Between Accidental Death Insurance and Life Insurance?

Accidental Death and Dismemberment (AD&D) insurance and life insurance offer financial protection but differ in scope and coverage. AD&D covers deaths caused specifically by accidents, providing a payout to beneficiaries only in such cases, with typically lower premiums and a simpler underwriting process. However, it excludes natural causes or illnesses.

Life insurance, on the other hand, provides broader coverage, including accidental death, natural causes, and terminal illnesses, making it a more comprehensive option. It generally offers higher death benefits and requires a more rigorous underwriting process, resulting in higher premiums due to its extensive coverage.

Read more about Accidental Death and Dismemberment vs. Life Insurance here.

Abrams Insurance Solutions Offers Low-Cost Accidental Death Insurance

When looking for accidental death insurance, consider using an independent life insurance agent such as those at Abrams Insurance Solutions.

Our agents have access to more than 70 top-rated life insurance providers. If you’re concerned about being declined for life insurance or have faced rejections in the past, accidental death insurance can offer the coverage your family requires.

Finding the right accidental death insurance coverage at a good price can be challenging. We can help you understand the different options and rates offered by various companies.

The independent agents at Abrams Insurance Solutions can perform the comparison shopping for you to save you time and money. We won’t stop shopping the market until we find you the best policy and the lowest rates.

Do you have any questions about Accidental Death Insurance that we didn’t answer? Give us a call at 858-703-6178, and we will get you the information right away.

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