AD&D, What it is and why you need it

Accidental Death & Dismemberment (AD&D) insurance is a type of coverage that pays out a benefit if you pass away or suffer severe injuries due to an accident. This benefit can be crucial if you experience the loss of a limb, sight, hearing, or other critical bodily functions, providing financial support during a challenging time. AD&D doesn’t cover death or injury due to illness or natural causes, but it provides a safety net for sudden, unexpected accidents that can change your life in an instant.

How AD&D Insurance Works

AD&D insurance offers a lump-sum payment if you die or experience certain severe injuries due to an accident. The payout depends on the severity of the accident:

Full benefit for accidental death, typically paid to your designated beneficiaries.

Partial benefit for specific injuries, like losing a limb or the use of a sense (e.g., sight or hearing).

This coverage is often affordable, with many people choosing amounts that match their annual salary or more.

Why Get AD&D Even with Health Insurance?

Having health insurance is essential, but it only covers medical expenses. AD&D insurance steps in to provide additional support for expenses that health insurance won’t cover. If an accident prevents you from working, AD&D can help cover mortgage payments, childcare, and everyday bills. In the case of accidental death, it gives your loved ones financial security to navigate a challenging time.

Final Thoughts

AD&D insurance is an affordable way to add an extra layer of financial protection, offering peace of mind for you and your family. It’s a smart consideration, especially for those whose jobs or hobbies carry higher risks.

If you don't have AD&D insurance it's a must for any responsible individual with dependants. Contact us today to get your free financial analysis session and see what our group of over 100 providers can offer you!