What is AD&D Insurance?

1 min read
AD&D Insurance – construction worker working

AD&D insurance, short for Accidental Death and Dismemberment, is also known as accident protection insurance.

It’s a smart option for helping to protect you and your family financially in the event of a qualifying accidental dismembering injury or fatality. You could lose your income as a result of a disabling injury, but AD&D insurance could help by providing a monetary payout.

What’s the difference between Accidental Death and Dismemberment vs Life Insurance?

Both types of coverage serve to financially protect you and your loved ones against the unexpected, but they are not the same.

Life insurance provides protection in the event of death.

AD&D insurance provides protection against loss of eyesight, hands, feet or life as a result of accidental injury – anywhere in the world, at any time OR against death from a qualifying accident. Whether the accident happens at work, at home, on vacation, or wherever. Proof will be required that death or dismemberment occurred as a result of the accident in order to receive a payout. The specifics of what’s included and excluded will be listed in the AD&D policy.

Is AD&D designed to be affordable?

Yes. Premiums for a Gerber Life Accident Protection Plan start at $5.23 a month for a $50,000 policy. Many families choose to supplement their life insurance policies with AD&D protection, since the premiums are budget-friendly.

Is AD&D right for me?

If you or your spouse work in an industry with high accident rates, AD&D insurance can be a smart option.

When your work depends on being physically able, it’s important to protect yourself and your family should you lose the ability to work. Helping to replace lost income through AD&D insurance is designed to be an inexpensive way to do so.

Call Gerber Life at 1-800-704-2180 to learn more about AD&D insurance and whether it makes sense for you.

Was this article helpful?
53%
47%
View All Adult Life Insurance 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

Get a Free Quote

Have you used tobacco? *

* Indicates required field
** Currently not available in New York

Still want to learn more, view the term life product page for more information.

Whole Icon

Whole Life Insurance

Get a free instant quote

Your quote

Get a Free Quote

Have you used tobacco? *

* Indicates required field
** Currently not available in New York

Still want to learn more, view the term life product page for more information.

Guaranteed Icon

Guaranteed Life Insurance

Get a free instant quote

Your quote

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 the term life product page for more information.

Accident Icon

Accident Protection

Get a free instant quote

Your quote

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 the term life product page for more information.

Grow-Up Icon

Grow-Up® Plan

Get a free instant quote

Your quote

Get Your Free Quote Now

See how little it costs to help protect your child

* Indicates required field

Still want to learn more, view the term life product page for more information.

College Icon

Gerber Life Insurance College Plan

Get a free instant quote

Your quote

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 the term life product page for more information.

Get inspired with our free e‑newsletter for parents

Get our free parenting e‑newsletter with:

– Parenting advice

– Money-saving tips

– Life insurance blogs

No thank you

By signing up, you agree to occasionally receive emails from Gerber Life. Unsubscribe at any time. View our privacy policy.

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.