insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

No, typically an accidental death policy would exclude death caused by intoxication or illegal drug use. Other exclusions usually include loss caused by the commission of a felony by the insured, active duty or training in the military or suicide.

Accidental death and dismemberment (AD&D) policies pay out a benefit if you die from an accident or lose a limb or eyesight. Some also provide benefits for paralysis or coma. Policies specify that to receive benefits, the injury or death must occur within a certain time frame after the accident, and your death must be a direct result of the injuries sustained in the accident. The policy would not pay out if death resulted from a physical or mental illness.

AD&D coverage is sold through standalone policies, which can be purchased individually or through a group. Coverage may also be offered as a rider on life insurance policies. Many employers offer AD&D insurance for their employees because it provides coverage to supplement life and disability insurance at a relatively small price. Accidents account for only about 5 percent of deaths, which is why the premiums for AD&D are low.

AD&D insurance should be considered a supplemental policy, not a replacement for life insurance, which provides protection whether you die from an accident or illness.

For more, see the basics of accidental death and dismemberment insurance.

×
Please enter valid zip
Compare Quotes
life-insurance

QuickTake

See more >