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Accidental Death and Dismemberment Insurance

Accidents happen, however, some are much worse than others and can affect a person - and sometimes even their family - for the rest of their life. When the worst happens, it can be valuable to have some extra money to fall back on. Accidental Death and Dismemberment (AD&D) insurance provides funds that can help individuals cope with life changes following a serious accident.

Accidental Death and Dismemberment Insurance

About Accidental Death and Dismemberment Insurance

If an AD&D policy has to be used, it offers a predetermined lump sum to the policyholder, which can be used however beneficiaries deem fit. Instead of spending it on medical bills, the money can be used on home equipment, costs of living, or virtually anything they want to spend it on.

What is defined as dismemberment?

Dismemberment is often thought of as when someone loses a part of their body, such as an arm or leg, for good. However, AD&D insurance also covers other areas aside from the loss of a limb.

Types of AD&D insurance

Groups can also secure AD&D insurance. Ask your Pacific Prime Latin America advisor about the different types of A&D insurance available: 

  • Employee basic
  • Employee optional
  • Employee & dependent optional
  • Special event
  • Business travel

What kinds of accidents are included?

AD&D insurance policies can cover:

  • Limb loss
  • Paralysis
  • Deafness
  • Muteness
  • Blindness
  • Other permanent disabilities
  • Death

What situations are excluded?

Since AD&D insurance only covers incidents that are accidental, no benefit will be offered to anyone who intentionally harms themselves. 

Similarly, other scenarios that are excluded from coverage include injuries sustained while participating in professional sports or war, injury or death occurring while under the effect of a controlled substance, or death from natural causes.

 

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