Accident Protection Insurance

Help protect your family without breaking the bank.

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What is AD&D or Accident Insurance?

Gerber Life's Accident Protection Insurance is an accidental death and dismemberment (AD&D) policy, which provides financial protection in case of death or disabling injury caused by qualifying accidents.

Product Accident Benefit 1

As Little as 17 Cents a Day*

Help protect your family in case of covered accidental death or disabling injury, 24 hours a day. You can get $50,000 to $250,000 in coverage to help cover out-of-pocket medical expenses, lost wages and more. You can also buy coverage for your spouse, from $25,000 up to the same amount as your coverage.

Product Accident Benefit 2

No Medical Exam Required

You and your spouse are eligible to apply for up to $500,000 in combined coverage if you're both – 18 to 69 years old. You are eligible regardless of health or occupation – no physical exam or health questions needed.

Product Accident Benefit 3

Rates Locked in for Life

Your coverage starts as soon as we receive the first payment. Your benefits can never be reduced and your monthly premium will never increase as long as premiums are paid.

For more information, call 866‑674‑3051 866‑674‑3051

Mon-Fri 8am-7pm ET

*17 cents a day payment is based on a $50,000 policy

How to Buy Gerber Life AD&D Insurance Coverage

Accident Protection How To Buy

Get a free quote

See the monthly rates instantly. Just enter your state of residence to see how much you'd pay each month.


Choose your coverage amount

You can pick an amount between $50,000 and $250,000 to help protect your loved ones. The benefits can help cover out-of-pocket medical bills or replace income lost due to covered injury or accidental death.


Apply online or by phone

The application takes just minutes and you cannot be turned down due to health or occupation. You don't need a medical exam and anyone between age 18 and 69 is eligible for coverage.


Make your first payment

Your coverage starts when we receive your first payment. And once you sign up, your monthly rate will never go up as long as premiums are paid.

Gerber Life Accident Insurance Reviews

Protect your loved ones from the unexpected with accident protection coverage. Read the reviews below to see what our customers are saying about our Accident Protection Insurance plan.

Highly recommended by customers

Already have a Gerber Life Accident Protection policy? We want to hear from you!

Gerber Life Accident Insurance Reviews

Protect your loved ones from the unexpected with accident protection coverage. Read the reviews below to see what our customers are saying about our Accident Protection Insurance plan.

Highly recommended by customers

 % of reviewers recommend the Gerber Life Accident Protection Insurance Plan.

Featured review
    Testimonials reflect the opinions of Gerber Life Customers.  For additional reviews click here.

    Accident Insurance (AD&D) Questions

    • What is Accident Protection (Accidental Death and Dismemberment) insurance?

      Accident Protection (Accidental Death and Dismemberment insurance, or AD&D) provides two-way protection: it pays your loved ones a cash benefit in case of a qualifying accident that results in your death. And it pays you if you suffer a covered disabling injury. It’s typically used to supplement health or life insurance coverage.

    • What does AD&D insurance cover?

      AD&D insurance covers unintentional death or injuries suffered that are a qualified disabling injury. Qualified disabling injuries include the loss of the use of limbs (hand or foot) and the loss of eyesight (one or both eyes).

    • What is the difference between life insurance and AD&D?

      Life insurance provides a death benefit, paying your loved ones (beneficiary) when you die. AD&D pays a benefit to you if you are alive and suffer a covered disabling injury OR pays your loved ones (beneficiary) if you die as the result of a qualifying accident.

    • Do I need both life insurance and AD&D coverage?

      AD&D can be a good supplemental insurance choice. Unlike life insurance, AD&D pays out in case of a covered injury. The combined payout in case of accidental death can provide extra financial support for your loved ones.

    • Will my Accident Protection Insurance premiums ever increase?

      No. Once you sign up for Accident Protection Insurance, your monthly rate is guaranteed to stay the same, regardless of age, health or occupation as long as premiums are paid.

    • Who is eligible for Accident Protection Insurance?

      This policy is available to anyone ages 18 to 69. No medical exam is required and there are no health questions to answer. Your acceptance is guaranteed regardless of health.

    Learn more about Accident Protection

    Learn More About Accident Protection Insurance

    If you still have questions about Accident Protection Insurance, learn more about:

    Continuing the long Gerber Life tradition of protecting families since 1967.

    This accident only policy may be offered to adults ages 18-69. Minimum/maximum age requirements and maximum coverage amounts vary by state.

    Product provisions, availability and coverage may vary by age, state and existing coverage.

    Benefit amounts are subject to Gerber Life overinsurance limits. Exclusions and limitations may vary by state. Refer to your policy for detailed benefits and exclusions.

    Gerber Life will not issue insurance for any proposed insured when a Power of Attorney or Guardianship exists on the proposed insured, except legal guardians of children.

    Policy Form Series ACC 2014 
    Policy Form ACC 2020 FL in FL 
    Policy Form ACC 2020 CO in CO


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