Month: October 2013


Accidental Death Dismemberment

Accidental Death Dismemberment
Most people understand the benefits of more obvious types of insurance such as life, health, disability, etc. While accidental death dismemberment coverage is often overlooked; a good AD&D policy can offer added value by filling in the gaps. Accidental Death Dismemberment  insurance does serve its purpose by insuring against an accidental death or permanent injury such as a loss of limb.

Now AD&D insurance is not meant to replace any existing life insurance, but instead enhance your insurance coverage. An accidental death dismemberment is an easy and inexpensive way to increase your overall coverage limits, especially in situations where due to a medical condition, life insurance has either become too expensive or unavailable. People working in high risk occupations, where accidents are considered “part of the job” should consider accident insurance as a complement to any employer provided insurance or disability.

A great feature of an AD&D policy is the fact that it payout a lump sum, rather than a monthly stream of income in the event of a permanent injury or disability; providing a substantial financial cushion during the initial adjustment period.

Accidental Death Insurance

Accidental death insurance

Accidental death insurance

Accidental Death Insurance

An accidental death insurance policy provides coverage in the event you, the insured dies as a result of an accident. Some of the covered accidents include motor vehicle, drowning, unintentional falls, fire, forces of nature, electrocution, heavy equipment, homicide, and even war & terrorism.

And what most people are not aware of is that these policies will pay benefits in addition to any other existing life insurance. So, if you die in a car accident, plane crash, or any unforeseen event, your beneficiary (s) will receive any life insurance proceeds, as well as the benefit of your accidental death insurance policy.

Unlike traditional life insurance, where acceptance is really dependent on your medical history and health status; accidental death insurance does not require any medical exams. Qualification is based primarily on current occupation and annual income.

So individuals with pre-existing medical conditions can qualify for an accidental death insurance policy. Also, the cost for accidental death insurance is relatively inexpensive, annual premium for $1 million in accidental death coverage may be less than a standard term policy.

Accidental death insurance also covers bodily injuries, the likelihood of suffering a devastating injury such as the loss of an arm, leg, or becoming permanently disabled as a result of an accident is very high.

Dismemberment coverage can be added to your accidental death insurance policy as well as other benefits such hazardous/extreme sports, terrorism, warzone coverage, and even accidental medical expense for a more comprehensive and customized accident plan.

Why Accidental Death Insurance?

• 24-hour accidental death protection
• Dismemberment coverage
• Medical expenses due to covered accident
• War and Terrorism coverage
• Permanent Total Disability
• Medical Evacuation and Repatriation coverage
• Extreme Sports rider
• No Medical Exams required
• Non-Cancelable
• Low Premiums

Accidental death insurance offers a solution for individuals who may not qualify or have been declined for coverage in the past. For more information, please visit