Skip to main content

What to Know About AD&D: What Does Accidental Death Insurance Cover?

2 min read
Accident Protection Insurance – construction worker working

Serious accidents can happen, which is why it’s important to protect your family against the unthinkable — and the associated costs. The Gerber Life Accident Protection Plan can help cover your medical bills, final expenses and more, so that your loved ones won’t have to.

What is Accident Protection Insurance exactly?

Other names for it are AD&D, which stands for Accidental Death and Dismemberment, or more simply, accident insurance. Regardless of the name, this kind of coverage is designed to help protect you and your loved ones against financial hardship in the event of a qualifying accident that results in death or disabling injury.  

Do I need Accident Protection?

If you work in any kind of occupation where you may be at risk for a disabling injury, then Accident Protection insurance can make a lot of sense. You can protect yourself and your family for as little as 17? a day* with coverage ranging from $50,000 to $250,000 (and up to $500,000 with a spouse). 

Do I need both life insurance and AD&D?

Life insurance provides coverage in the event of your death. However, Accident Protection insurance can also help provide money for medical or rehabilitation costs if you’re in a non-fatal but serious accident covered by this policy, that may leave you disabled.

Can I be turned down if my job is really dangerous?

With Gerber Life Accident Protection insurance, you can’t be turned down for coverage due to your occupation. And there is no waiting period, so you and your family will be protected from the moment you make your first payment.

Some people may consider an Accident Protection policy if unable to afford a life insurance policy. Accident Protection could provide a death benefit if an accident resulted in your death. Accident Protection insurance can provide a valuable defense against unforeseen events. If you have questions, call us at 1-800-704-2180. We’ll be happy to answer them and help you find the right coverage to fit your needs.

*17?/day is the cost for a $50,000 policy with automatic payments.

Was this article helpful?
62%
38%
View All Life Insurance Basics Articles

Swipe to see our products & get a free quote

Term Life
Term Icon

Term Life Insurance

Adults 18-70

Flexible coverage at a price that’s right for you.

Whole Life
Whole Icon

Whole Life Insurance

Adults 18-70

Keep it for life and build cash value.

Guaranteed Life
Guaranteed Icon

Guaranteed Life Insurance

Adults 50-80

Coverage for adults between 50 and 80 years old.

Accident Protection
Accident Icon

Accident Protection

Adults 18-69

Help protect loved ones without busting your budget.

Grow-Up
Grow-Up Icon

Grow-Up® Plan

Children 14 and under

Valuable protection that grows with your little one.

College Plan
College Icon

Gerber Life Insurance College Plan

Children 18 and under

Safe, secure and easy way to help pay for college.

Term Icon

Term Life Insurance

Get a free instant quote

Your quote

spinner sprite icon

Get a Free Quote

Have you used tobacco? *

* Indicates required field
** Currently not available in Delaware, District of Columbia, New York, or North Dakota

Still want to learn more, view our product page for more information.

Whole Icon

Whole Life Insurance

Get a free instant quote

Your quote

spinner sprite icon

Get a Free Quote

Have you used tobacco? *

* Indicates required field
** Currently not available in Delaware, District of Columbia, New York, or North Dakota

Still want to learn more, view our product page for more information.

Guaranteed Icon

Guaranteed Life Insurance

Get a free instant quote

Your quote

spinner sprite icon

Start here. It's easy!

Let us customize a Guaranteed Life Insurance quote just for you.

* Indicates required field

Still want to learn more, view our product page for more information.

Accident Icon

Accident Protection

Get a free instant quote

Your quote

spinner sprite icon

Get a Free Quote

Just enter the state you live in to get an instant quote.

* Indicates required field

Still want to learn more, view our product page for more information.

Grow-Up Icon

Grow-Up® Plan

Get a free instant quote

Your quote

spinner sprite icon

Get Your Free Quote Now

See how little it costs to help protect your child

* Indicates required field

Still want to learn more, view our product page for more information.

College Icon

Gerber Life Insurance College Plan

Get a free instant quote

Your quote

spinner sprite icon

Start here. It's easy!

Tell us about yourself, and we'll customize a plan just for you:

Child's Age *
Relationship to Child *
Your Age *

* Indicates required field

Still want to learn more, view our product page for more information.

We’d like to notify you about updates, videos, new products and more.

Notifications can be turned off at any time in your browser settings.