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Voluntary AD&D Insurance
Voluntary Accidental Death & Dismemberment (AD&D) Insurance
An accidental death and dismemberment policy provides financial benefits to the insured or their beneficiaries in the event of accidental death, serious injury, or dismemberment resulting from an accident.
Plan Summary
Voluntary AD&D Insurance for Physicians and Certified RN Anesthetists
Highlights
Coverage
Provides coverage if you die by a covered accident or lose a body part as a result of an injury. Dismemberment includes loss of function or use of a body part, including your eyesight, speech or hearing, or losing a body part, such as an eye, finger, or limb.
Guaranteed Issue
Your coverage is fully guaranteed, which means that you can elect coverage without having your current or past medical history taken into account nor will you have to submit an Evidence of Insurability form. Please refer to your policy for more information.
Example – For Illustrative Purposes Only
Total Paid to Beneficiary
| Life Amount | $50,000 |
| Accidental Death | $50,000 |
| Total Paid to Beneficiary | $100,000 |
Accidental Death Example:
Jacob had a car accident in which he passed away from his injuries. He had a $50,000 life insurance policy through his employer. His beneficiary would receive $50,000 for his death and $50,000 due to his death being accidental.
File a Claim
How to file a claim
To improve your claims experience, this document explains how to submit a claim.
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Frequently Asked Questions
What does Accidental Death mean?
An AD&D insurance policy will payout in the case of an accident or a health-related incident. This suggests that the insured's death was not caused or led to by a disease. Accidental fatalities include motor vehicle/heavy machinery accidents, falls and drowning.
What is the definition of Dismemberment?
The advantage of AD&D insurance plan is that they pay only if the insured is accidentally dismembered in any way. The loss of an appendage, sight, hearing or another bodily function is referred to as dismemberment.