WHAT IS ACCIDENT INSURANCE?

Why AD&D Coverage? WHAT IS ACCIDENT INSURANCE? Accidental Death: Pays the Principal Sum Benefit to the designated beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the accident. Dismemberment: Includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for these losses. One half the Principal Sum amount will be paid in the event of the loss of sight of one eye, the loss of use of one hand or one foot, the hearing of both ears or the ability to speak. Accidental Death and Dismemberment & Sudden Cardiac Arrest: SCA is available as an additional coverage to our 24hour 7day Accidental Death (AD) Insurance plan or our Common Carrier Accidental Death (AD) only plan. This coverage pays the full benefit amount if insured person dies within 72 hours of a sudden cardiac arrest after an accident.  

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