What Is AD&D Insurance?

Accidents happen every day, which is why it’s so important to be prepared. Accidental death and dismemberment, also known as AD&D or Accident Protection Insurance, is a type of insurance that helps cover you and your family in the event of a covered unintentional injury or fatality.

For example, things you do every day could potentially result in an accident—driving, biking, walking through busy intersections or taking public transportation like buses, trains and even airplanes. No one likes to worry about these things. That’s where AD&D insurance can take some of the worry away.

Do more. Worry less.

AD&D vs. Life Insurance

Both AD&D insurance and life insurance help protect you and your loved ones from the unexpected, but there are a few differences between the two worth noting.

Regular life insurance pays a death benefit to your beneficiaries in the event of your death from any covered cause. AD&D would pay your beneficiaries if you die from a covered accidental cause.

Additionally, if you suffered a serious qualified injury (such as a loss of limb or eyesight), you could receive a payout that could help you with your medical bills.

Do I Need Both Life Insurance And AD&D?

AD&D insurance is not necessarily a substitute for a whole or term life insurance policy, but it may provide financial security for your family in the event of a qualifying accident.

Having both life insurance and AD&D can provide 24/7 coverage worldwide and a stronger sense of security for your family. Reduce your financial anxiety and pursue your passions knowing you have the coverage you need if you get seriously hurt.

^*Important exclusions apply. Please call us at 866-674-3051 for specific covered injuries and excluded activities.
^**The National Safety Council (NSC) estimate of total motor-vehicle deaths in 2022 was 46,270.¹

Budgeting for AD&D Insurance

AD&D is designed to be an affordable insurance option, which makes it a popular choice for those starting their career or looking to save money. Gerber Life’s Accident Protection Plan has premiums that start at $5.23/month for $50,000 in coverage. As long as you are paying your premiums, you are locked into your AD&D insurance rate for life. Rest easier knowing you have Accident Protection Insurance you can afford.

Gerber Life AD&D Insurance

While your family counts on you, you can count on Gerber Life as a reliable partner for accident protection. You and your spouse can receive up to $250,000 in coverage. Any payout can be used for out-of-pocket medical expenses, lost wages and more.

Signing up is simple. Get a free quote to find out how much you’ll pay based on your coverage amount. Coverage is available from $50,000 up to $250,000. There is no medical exam needed, and anyone between 18 and 69 is eligible. Once you make your first payment and continue paying your premiums, you are able to lock in your rates for life.

Keep doing the things you love with the ones you love and worry less about serious injury.

Ready to receive a free quote?

¹ Source: Preliminary Semiannual Motor Vehicle Death Estimates | National Safety Council