If youre traveling in a dangerous area or working on high-risk tasks, AD&D insurance can give you and your loved ones necessary financial support. Without it, your surviving loved ones may suffer an additional financial blow.
AD&D insurance provides a lump sum in the event of an accidental death. In case of dismemberment (defined as a loss of limb), a fractional amount of the insurance is paid to the insured. AD&D insurance generally pays for loss of limb, loss of sight or permanent paralysis. The types of injuries covered and the amount paid varies from insurer to insurer, and will be explicitly stated in the insurance policy.
AD&D insurance is ideal for somebody who works in a high-risk profession, like construction or mining, but it's also recommended for those who travel frequently. Accidental death and dismemberment insurance can be purchased as an add-on for many travel insurance policies, so be sure to check with your travel insurance advisor.