What is AD&D Insurance?

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.

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