What Is AD&D Insurance?
Accidents happen every day, which is why it’s so important to be prepared. Accidental death and dismemberment, also known as AD&D or Accident Protection Insurance, is a type of insurance that helps cover you and your family in the event of a covered unintentional injury or fatality.
For example, things you do every day could potentially result in an accident—driving, biking, walking through busy intersections or taking public transportation like buses, trains and even airplanes. No one likes to worry about these things. That’s where AD&D insurance can take some of the worry away.
Do more. Worry less.
AD&D vs. Life Insurance
Both AD&D insurance and life insurance help protect you and your loved ones from the unexpected, but there are a few differences between the two worth noting.
Regular life insurance pays a death benefit to your beneficiaries in the event of your death from any covered cause. AD&D would pay your beneficiaries if you die from a covered accidental cause.
Additionally, if you suffered a serious qualified injury (such as a loss of limb or eyesight), you could receive a payout that could help you with your medical bills.
Do I Need Both Life Insurance And AD&D?
AD&D insurance is not necessarily a substitute for a whole or term life insurance policy, but it may provide financial security for your family in the event of a qualifying accident.
Having both life insurance and AD&D can provide 24/7 coverage worldwide and a stronger sense of security for your family. Reduce your financial anxiety and pursue your passions knowing you have the coverage you need if you get seriously hurt.
What Can AD&D Cover?
AD&D insurance will only cover qualifying injuries or death as a result of an accident. Covered injuries generally refer to loss of limbs, loss of sight and accidental death as specified in the policy. Most policies will cover accidents that happen at work, at home or while traveling.
Covered accidents can include*:
- Car or public transportation accidents**
- Heavy equipment/machinery accidents
- Drowning
- Fires
- Falls
*Important exclusions apply. Please call us at 866-674-3051 for specific covered injuries and excluded activities.
**The National Safety Council (NSC) estimate of total motor-vehicle deaths in 2022 was 46,270.1
Budgeting for AD&D Insurance
AD&D is designed to be an affordable insurance option, which makes it a popular choice for those starting their career or looking to save money. Gerber Life’s Accident Protection Plan has premiums that start at $5.23/month for $50,000 in coverage. As long as you are paying your premiums, you are locked into your AD&D insurance rate for life. Rest easier knowing you have Accident Protection Insurance you can afford.
Do I Need AD&D Insurance?
AD&D may be a good idea if you’re looking for a cost-effective option to protect your loved ones should you suffer a covered injury or fatal accident while traveling, at work or at home. If you are young and want a simple accident coverage plan, or if you cannot get other life or health insurance due to certain circumstances, then AD&D could give you peace of mind.
Worry less about money and reduce your anxiety if a serious injury keeps you from working. AD&D insurance can be a relatively inexpensive yet effective way to help protect you and your family in the event of an accident. Be sure to read your policy’s fine print to understand your terms of coverage.
Only you know how to best provide for yourself and your loved ones. With AD&D insurance, you can rest easy knowing you have financial coverage for some of life’s most unpredictable moments.
Gerber Life AD&D Insurance
While your family counts on you, you can count on Gerber Life as a reliable partner for accident protection. You and your spouse can receive up to $250,000 in coverage. Any payout can be used for out-of-pocket medical expenses, lost wages and more.
Signing up is simple. Get a free quote to find out how much you’ll pay based on your coverage amount. Coverage is available from $50,000 up to $250,000. There is no medical exam needed, and anyone between 18 and 69 is eligible. Once you make your first payment and continue paying your premiums, you are able to lock in your rates for life.
Keep doing the things you love with the ones you love and worry less about serious injury.
Ready to receive a free quote?
1 Source: Preliminary Semiannual Motor Vehicle Death Estimates | National Safety Council
Continuing the long Gerber Life tradition of protecting families since 1967.
This accident only policy may be offered to adults ages 18-69. Minimum/maximum age requirements and maximum coverage amounts vary by state.
Product provisions, availability and coverage may vary by age, state and existing coverage.
Benefit amounts are subject to Gerber Life overinsurance limits. Exclusions and limitations may vary by state. Refer to your policy for detailed benefits and exclusions.
Gerber Life will not issue insurance for any proposed insured when a Power of Attorney or Guardianship exists on the proposed insured, except legal guardians of children.
Policy Form Series ACC 2014
Policy Form ACC 2020 FL in FL
Policy Form ACC 2020 CO in CO
