What is accidental death & dismemberment insurance?

Accidental 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 employer benefit and is designed to pay an additional amount to your beneficiaries if you die as the result of an accident or if you experience a serious injury that results in the loss of a limb, paralysis, or loss of sight.

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Benefits of accidental death & dismemberment insurance

Increased death benefit

Adding accidental death and dismemberment coverage to your policy can be good way to increase your death benefit beyond what your current policy offers.

Coverage for specific events

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.

Add to your existing plan

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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