Accidental Death & Dismemberment (AD&D) Archives

Accidental Death & Dismemberment (AD&D)

Accidental Death & Dismemberment (AD&D) Insurance provides financial protection for you and your loved ones in case of a serious accident. Unlike traditional life insurance, AD&D pays benefits for accidental death or severe injuries, such as loss of limbs, paralysis, or blindness.

Learn how AD&D insurance can offer affordable coverage, supplement existing policies, and provide peace of mind for high-risk individuals.

➡ Explore coverage options, benefits, and how AD&D compares to life insurance.

New to Accidental Death & Dismemberment (AD&D)? Read this first.

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…

Learn how high-limit AD&D coverage provides affordable protection, no medical exams, and peace of mind for your loved ones.

Why Accidental Death & Dismemberment (AD&D) Insurance Makes Sense for Adults Over 70

After age 70, life insurance can become expensive or even unavailable. Many seniors are surprised to discover that their premiums skyrocket just as they want to leave a simple safety net for loved ones. That is where accident insurance for seniors over 70 comes in, as an affordable way to protect your family if an…

learn the differences between life insurance and ADD and how to know which one to choose

Life Insurance vs. AD&D: What’s the Difference and Which One Do You Need?

Many people assume life insurance and Accidental Death & Dismemberment (AD&D) insurance are interchangeable…but that’s a costly misconception. The two types of coverage may seem similar on the surface, yet they serve very different purposes. If your goal is to make sure your loved ones are financially secure no matter what happens, understanding these differences…

Mutual of Omaha Accidental Death Insurance: Is It Worth It?

Life can be unpredictable, and accidents can occur at any time, often with devastating financial consequences for families. According to the National Safety Council, a preventable injury-related death occurs every two minutes in the United States. Mutual of Omaha’s Guaranteed ADvantage Accidental Death Insurance provides crucial financial support precisely when unexpected tragedies strike. In this…

Gerber Life Accident Insurance: A Review & Guide for 2025

Let’s face it—life is unpredictable, and accidents happen when we least expect them. Gerber Accident Insurance provides a comforting safety net, ensuring you and your loved ones are financially protected when accidents occur. The best part? You’re covered regardless of your health or job. In this article, you’ll learn exactly how Gerber Accidental Death Insurance…

Fidelity Accident Insurance: Coverage Plan and Benefits

Enjoying life to the fullest also means planning ahead. Fidelity accident insurance can help you do just that—with affordable coverage that protects your loved ones if the unexpected happens. Fidelity Life’s Accidental Death Benefit (ADB) insurance offers valuable financial support if a fatal accident occurs. In this guide, we’ll explore how the plan works, who…

Does Term Life Insurance Cover Accidental Death? An Overview

When buying life insurance, most people focus on protecting their loved ones in the event of a natural death. But what if the unexpected happens? If you’re wondering, does term life insurance cover accidental death?—you’re not alone. Let’s unpack what’s covered, what’s not, and how to protect your family even further. What Is Term Life…

EMA AcciProtect AD&D (Accidental Death & Dismemberment) Review

Today, we’re going to review the EMA AcciProtect AD&D insurance. It’s an accidental death and dismemberment policy. It’ll pay your beneficiaries if you die resulting from an accident. Or it’ll pay you some or all of the benefits if you lose specific limbs or senses. It’s an extra policy that you can get through EMA…

Lloyd’s of London High Limit Accident Insurance Review

This review covers high-limit accident insurance from Lloyd’s of London. We will dive into the details of coverage options for exceptional situations, pros & cons, the financial strength of the insurer, and what makes this policy different from traditional life insurance. For more generalized information on accidental death and dismemberment policies, read this article. Quick…

Supplemental Life Insurance vs. AD&D – Which is Better?

We covered a lot of ground in our main article on accidental death insurance versus life insurance. Reading that will give you the basics. Here we’ll compare supplemental life insurance vs. AD&D. These are slightly different in that we’re assuming you already have a life insurance policy. We will examine getting supplemental policies on top…

what is voluntary accidental death and dismemberment

What is Voluntary AD&D (Accidental Death & Dismemberment)?

This article covers what a voluntary AD&D policy is, how it’s different from traditional accidental death insurance, subtypes of policies, differences vs workers comp, pros & cons, and, finally, whether or not it’s a good idea. For a comprehensive article on traditional accidental death and dismemberment insurance, click here. Okay, let’s go. Quick Summary Employers…