Skip to main content

How Accident Protection Insurance Can Cover Your Family

2 min read
Accident Protection – Young family with two children

If you’re reading this article, you’re thinking about protecting your family’s financial future if something happens to you. Most people think traditional life insurance is the only option. But, depending on your needs, Accident Protection can also be a great option. Here are more details to help you make the best decision for you and yours.

AD&D Insurance Basics

This type of policy is often referred to as “Accidental Death and Dismemberment” insurance, or sometimes just “AD&D”. While life insurance pays out in the event of your death, the Gerber Life Accident Protection Plan provides a cash benefit in the event of accidental death OR a covered disabling injury.

Let’s consider those two scenarios more closely. Serious accidents are the more likely cause of death for people who are young and healthy. It’s hard to think about, but important to consider. The second scenario, disabling injury, is the main difference between life insurance and Accident Protection. Think about it: if you suffered an accidental injury that kept you from returning to work, what would be the effect on your family? Our Accident Protection plan can help your family cover medical bills or lost income for an accidental injury covered by this policy.

So why choose Accident Protection over traditional life insurance?

It all depends on your needs. If you’re younger or don’t have a family that is financially dependent on your income, accident protection may be just enough coverage for you. Or maybe you have a family, but traditional life insurance coverage doesn’t fit your budget right now. Accident Protection can be a more affordable substitute.

In any case, your acceptance is guaranteed regardless of health. With the Gerber Life Accident Protection Plan there’s no medical exam or questionnaire to fill out. As long as you’re age 18 to 69, you’re eligible to apply for up to $250,000 of coverage.

Talk to us today. We’ll be happy to discuss your needs and the coverage that best fits your budget. Call 1-866-674-3051 or fill out an online application for our Gerber Life Accident Protection Plan here.

"If you suffered an accidental injury that kept you from returning to work, what would be the effect on your family?"

Was this article helpful?
43%
57%
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 our 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 our 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 our 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 our 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 our 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 our 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.