Ins and Outs of Accident Protection Insurance

AD&D vs. life insurance – worker climbing ladder

Life insurance is important protection to help safeguard your family financially if you were to pass away. However, what if you have a non-fatal disabling injury that prevents you from working again? Would you or your family be able to pay the bills? What then?

That’s where Accident Protection (AD&D) comes in.

“Accident Protection pays out money … helping your family to pay expenses.”

AD&D vs Life Insurance

Accidental Death and Dismemberment insurance, or AD&D for short, is another name for Accident Protection insurance.

Accident Protection provides two way protection. Like regular life insurance, Accident Protection pays the benefit amount to your named beneficiary if you die from a qualifying accident  money that can help your family pay for expenses.

The difference is that Accident Protection also pays out but to you if you survive a qualifying disabling injury

For example, if you were to suffer the loss of your eyes or a limb, your Accident Protection policy provider would send you a payment. The money could help cover medical bills, physical therapy, lost income or other expenses.

Accidental Death — Greatest Risk Factor for Adults Aged 25 to 44

Accidental death is the single greatest factor for cause of death for adults 25 to 44 years old, according to CDC’s National Vital Statistics report from 2016.* Financial protection against accidental death and dismemberment, therefore, can be an especially smart choice depending on what you do for a living.

Jobs such as roofing, logging and driving are just some jobs that put you at higher risk for having an accident including the kind of qualifying accident that Accident Protection covers and could leave you needing financial assistance.

*Source: CDC: National Vital Statistics Reports for 2016


"Accident Protection can be an affordable option for you.”


Another reason to consider Accident Protection is if you’re young and don’t yet feel you need the extensive coverage of a typical life insurance policy.

Accident Protection also can be a great alternative because it’s designed to be affordable. You can get $50,000 in coverage with Gerber Life for $5.23 per month.


“It helps to protect you and your beneficiaries.”

Protection for You, Your Spouse, Your Loved Ones

This type of insurance can protect you and your beneficiaries — your loved ones. You can buy it for yourself and your spouse as long as you’re both 18 to 69 years old.

If death due to a qualifying accident were to happen, your named beneficiaries would receive the cash benefit. Or, if you survive a qualifying accident but with loss of limb or eye, you would receive the payout.

"Your approval is guaranteed regardless of health.”

Accidental Death & Dismemberment Benefits at a Glance

In addition to being budget-friendly, this type of coverage has other great benefits:

– No heath questions or medical exam required

– Guaranteed approval, regardless of health or occupation for ages 18-69

– Guaranteed premium that will never increase, as long as you keep up your payments

– Benefits start the first day and never decrease

– Choice of $50,000 to $250,000 in coverage


How to Get Accident Protection Insurance

You can apply online or call us at 1-800-704-2180 to learn more or to apply for Accident Protection insurance today.

It’s a cost-effective way to safeguard against the unexpected.

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