Accident Protection (Accidental Death and Dismemberment insurance, or AD&D) provides two-way protection: it pays your loved ones a cash benefit in case of a qualifying accident that results in your death. And it pays you if you suffer a covered disabling injury. It’s typically used to supplement health or life insurance coverage.

AD&D insurance covers unintentional death or injuries suffered that are a qualified disabling injury. Qualified disabling injuries include the loss of the use of limbs (hand or foot) and the loss of eyesight (one or both eyes).

Life insurance provides a death benefit, paying your loved ones (beneficiary) when you die. AD&D pays a benefit to you if you are alive and suffer a covered disabling injury OR pays your loved ones (beneficiary) if you die as the result of a qualifying accident.

AD&D can be a good supplemental insurance choice. Unlike life insurance, AD&D pays out in case of a covered injury. The combined payout in case of accidental death can provide extra financial support for your loved ones.

No. Once you sign up for Accident Protection Insurance, your monthly rate is guaranteed to stay the same, regardless of age, health or occupation as long as premiums are paid.

This policy is available to anyone ages 18 to 69. No medical exam is required and there are no health questions to answer. Your acceptance is guaranteed regardless of health.