Accidental Death & Dismemberment
Accidental Death & Dismemberment (AD&D) Insurance is an important part of protecting your family's financial well being should you prematurely die or become disabled. These plans will pay you, your beneficiary, or your estate (if a beneficiary is not designated) a lump sum benefit (e.g. $1,000,000) should an accident results in your death, or the loss of a limb/eyesight. No one can predict when an accident will happen but you can be sure your loved ones will be financially secure should one occur.
We have a great selection of high quality insurance products underwritten by "A" rated insurance carriers.
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What countries are considered War Risk Area 1 Countries?
Iraq, Afghanistan, Pakistan, Israel (West Bank & Gaza Strip), Iran, Somalia, Chechnya, North Korea, Palestinian Territories, Yemen
Can I buy Annual Travel Accidental Elite plans for my employees? They travel extensively throughout the year.
Yes you may. Many companies purchase the Annual Travel Accident Elite plan for their employees and include it as part of their employee benefits package. Life insurance agents are also recognizing this plan as an inexpensive way to enhance a client’s insurance portfolio.
What is the difference between AD&D coverage and Life Insurance?
AD&D insurance pays when an accident results in your death or the loss of a limb or the loss of your eyesight. Life Insurance is a contract between an insurance company and an individual, generally guaranteeing payment to the beneficiary(ies) if the insured dies during the policy term.
What are the major types of Accidental Death & Dismemberment insurance?
Flight Accident AD&D insurance pays a benefit only for accidents involving a commercial airliner during the coverage period. Common Carrier AD&D insurance provides benefits for accidents involving a common carrier during the coverage period. Common Carrier is licensed public transportation you have paid a fare to travel on. Planes, trains, taxi, ferry, limo, or bus.
24- Hour Accidental Death & Dismemberment pays a benefit for any type of accident that may occur during the policy coverage period covering you for accidents 24 hours of every day.
Do you have your own questions? Give us a call or send us an email.