Accidental Death & Dismemberment Insurance

When you purchase a term life insurance plan from us, you have the option to add an extra benefit for your employees – basic accidental death & dismemberment (AD&D) coverage.* If your company needs more than basic coverage, enhance your offering with a menu of optional benefits that may be mixed and matched individually or packaged as suites.

Family Suite

  • Spouse education – benefit increased up to a maximum of $3,000 for spouse education and job training
  • Child education – benefit increased 5 percent to a maximum of $5,000 for dependent child education
  • Childcare – benefit increased 5 percent of principal sum to a maximum of $5,000 for eligible child care expenses
  • Continuation of coverage – spouse and/or dependent children coverage remains inforce for up to 12 months after death of an employee

Travel Suite

  • Seatbelt benefit – pays an additional 10 percent up to a maximum of $25,000
  • Airbag benefit – pays an additional 10 percent up to a maximum of $25,000
  • Common carrier – doubles the benefit up to a maximum of $1,000,000 if death or injury occurs in public transportation
  • Repatriation – pays up to $5,000 for transportation of remains

Catastrophe Suite

  • Paralysis – pays an additional benefit if injury results in paraplegia, hemiplegia, quadriplegia, triplegia or uniplegia
  • Home alteration and vehicle modification – pays an additional 10 percent to a maximum of $10,000 for modifications to residence or vehicle
  • Coma – pays an additional 5 percent per month for 20 months
  • Hospital confinement income – pays an additional benefit while hospitalized
  • Felonious assault – pays an additional 20 percent to a maximum of $25,000 if injury results from assault
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