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Life Insurance Guide
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Get additional protection for worst-case scenarios, including serious accidents.
Get insuranceAccidental death and dismemberment (AD&D) insurance is a type of supplemental coverage that you can buy either as a standalone policy or as a rider to existing insurance. It's typically offered as an employee benefit. It's designed to pay your beneficiaries if you die in an accident or if you get hurt badly enough that it results in the loss of a limb, paralysis, or loss of sight.
Get startedAdding accidental death and dismemberment coverage to your policy can be a good way to increase your death benefit beyond what your current policy offers.
Because this coverage pays out if you experience a serious, non-fatal injury that results in the loss of a limb, paralysis, or loss of sight, it can help you during and after recovery.
Think of AD&D coverage as an extra layer of protection. In most cases, it's meant to complement—not replace—term or whole life insurance coverage.
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