According to the National Center for Health Statistics, unintentional injuries are the fourth leading cause of death in the United States, behind heart disease, cancer and chronic lower respiratory diseases.1

No matter how careful you may be, you are always at risk at home, at work, in the car or even on vacation. Despite this risk, few people are prepared for the sudden, potential financial loss brought on by an accidental death or the high cost of living when an accident results in the loss of sight or a limb.

One way to help ease the financial burden and provide small piece of mind, could be by purchasing Accidental Death and Dismemberment insurance coverage (AD&D). AD&D Insurance is meant to protect your family if you are killed in a non-work-related accident, or survive an accident but lose a limb or suffer another loss such as your sight or hearing.


What does AD&D Insurance Cover?

AD&D Insurance is designed to pay benefits in addition to other types of insurance coverage. It can be significant help to a family reeling from the death or serious injury of a primary wage earner.

This type of insurance coverage generally applies to deaths and injuries from automobile accidents, falls, exposure to the elements, drowning, homicide and heavy equipment accidents. It usually does not cover situations where a person’s injuries are self-inflicted, or if he or she is under the influence of non-prescribed drugs or alcohol.  For some policies, the use of any drug or medicine is restricted.

Depending on the AD&D policy, hospital care and child care/education benefits may be included.


How are Dismemberment Benefit Amounts Determined?

Dismemberment benefits are paid as a percentage of the coverage amount depending on the degree and type of injury. The more serious the injury, the larger the payment will be. When you review the terms of an AD&D policy, you will find specific percentages paid for each type of loss.


The Facts

Accidental Death and Dismemberment Insurance provides you with the opportunity to plan ahead for the protection of you and your family from the unforeseen financial hardship of a serious accident causing death or dismemberment. If you are unfamiliar with AD&D coverage, or you would like additional information about the benefit it provides to you and your family, contact Lockton Affinity.


1 National Center for Health Statistics. “Accidents or Unintentional Injuries”, Centers for Disease Control and Prevention, Mar. 2017

Coverage may not be available in all states and is subject to actual policy terms and conditions.  Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency.