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 an 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.

AD&D vs. Life Insurance: What’s the Difference?

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. 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.

What are some common workplace dangers?

In the construction industry, for example, falls, electrocutions, being struck by an object, and getting “caught in between” something are the four most common causes of death.1

Other industries that have high accident and death rates include logging, fishing and farming. Aircraft pilots, roofers, truck drivers, and grounds maintenance workers are also at a higher risk of on-the-job injury.2

In 2016, the Bureau of Labor Statistics reported approximately 2.9 million nonfatal workplace injuries.3

That’s why it’s important to financially protect yourself and your family if you work in an industry that experiences high rates of on-the-job injury.

Is AD&D affordable?

Yes. Premiums for a Gerber Life Accident Protection Plan start at $2.62 a month, which is for a $25,000 policy. Many families choose to supplement their life insurance policies with AD&D protection, since the premiums are affordable.

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 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.


1 Occupational Safety and Health Administration, United States Department of Labor.

2 “National Census of Occupational Injuries in 2016”, December 19, 2017, Bureau of Labor Statistics, United States Department of Labor.

3 “Employer-Reported Workplace Injuries and Illnesses, 2016” , 9 Nov. 2017, Bureau of Labor Statistics, United States Department of Labor.

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