Accidental death and dismemberment (AD&D) insurance pays a lump sum amount in the event of death and dismemberment due to an accident.

If the insured party dies, the amount will be paid to a beneficiary.

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 the loss of limb, sight and permanent paralysis. The types of injuries covered and the amount paid depend on the package, vary from insurer to insurer and are explicitly enumerated in the insurance policy.

AD&D insurance is ideal for somebody who works in a high risk profession such as construction or mining, but it is also recommended for those who travel frequently.

Accidental death and dismemberment insurance can be added as a rider for many travel insurance policies, so be sure to check with your travel insurance advisor.

AD&D insurance may not cover you under following circumstances:

  • Death as a result of sickness
  • Death during surgery
  • Death resulting from mental or physical illness
  • Drug overdose death

For example, if you commit suicide or attempt to intentionally hurt yourself, the AD&D policy would not pay out. The same holds true for the case of death on the battlefield. Also, if you suffer from a heart attack while driving and thus end up crashing your car, your beneficiary would not receive any payment from the AD&D insurance policy.

Below are three plans that offer the AD&D benefit. Coverage details vary by plan so be sure to read each policy brochure carefully.

Facts and Important Things to Know:

  • AD&D covers you for injury or death resulting from an accident.
  • AD&D insurance will not cover you for death as a result of sickness.
  • It can be purchased as a rider on an existing policy or as a separate policy.

If you have any questions about AD&D insurance, contact one of our licensed insurance agents at

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