An AD&D policy will pay a lump sum to the policy’s beneficiary in the case of an accidental death or the accidental loss of critical physical functions or limbs – such as vision or speech, or a hand or foot.
Accidental death and dismemberment insurance - Yeah, the name sounds long and scary, but it can be an important coverage to have since a sudden accident can change everything. Let's say you're a do-it-yourselfer with an extensive tool collection. One Saturday, you're working on renovating your kitchen when you have a power saw accident that destroys your right hand. Now, not only are you injured but you also can’t return to your job as a chef. Workers compensation covers only work-related accidents - that's no help to you because you were injured at home. With accidental death and dismemberment insurance, also known as AD&D, the benefits of your policy may help get you through your greatest challenges. it's an affordable option to supplement your insurance portfolio and you can use the benefits however you see fit: to help pay for daily living expenses, education and training for new career, or whatever needs you may have. If you suffer a loss because of a non-work related accident, you'll have less to worry about, especially if your income depends on your physical health. You or your loved ones can fall back on AD&D benefits if you lose your life, sight, hearing, a limb, or ability to speak due to a covered accident. Yeah, thought of an accidental death and dismemberment happening to you can seem pretty gloomy and a little unreal, but why take a chance? Consider AD&D to help you or your loved ones get through a difficult time. Now that sounds like peace of mind.