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Life and Accidental Death and Dismemberment Insurance by Innovative Insurance Services, LLC

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Life and Accidental Death

Life and Accidental Death and Dismemberment Insurance provided by Innovative Insurance Services, LLC

Unlike Workers’ Compensation, which covers only work-related accidents, AD&D insurance applies wherever covered accidents happen, such as at home or on the road for your employees.

What is Life and Accidental Death and Dismemberment Insurance ?

Life and Accidental Death & Dismemberment Insurance helps pay a lump sum in the event of a covered accident. Specifically, these covered accidents are ones that could not be foreseen and are fatal or dismembering. Deaths that come due to prior medical conditions are not covered under this accidental death and dismemberment policy.

It’s a variation of life insurance that only pays out if the death is from an accident (or in some cases, homicide). It usually only pays out if the premiums are being paid just like a term life insurance.

What does Life and Accidental Death and Dismemberment Insurance usually cover?

Accidental Death & Dismemberment insurance policies (AD&D) provide benefits for covered  accidents that result in fatality, paralysis, the loss of a limb, eyesight, hearing, speech and more.  An AD&D plan may include coverage for employees only or employees and dependents and typically provides 24-hour coverage no matter where a covered accident occurs, whether at work, home or away for:

  • Loss of Life
  • Loss of Speech
  • Loss of Hearing
  • Loss of a Hand, Foot or Sight
  • Loss of Thumb and Index Finger on Either Hand
  • Loss of Movement

Advantages of Life and Accidental Death and Dismemberment Insurance

Accidents are the third leading cause of death in the United States. An accidental death not only impacts the surviving loved ones emotionally but also financially as they now deal with the sudden loss of income. The death benefit from an AD&D policy can add peace of mind by lessening that burden.

If offered through an employer, participating employees may realize a cost of a few dollars per month. Even when purchased individually, the costs are considerably less than rates for term insurance offering the same face amount.

If your company has employees who work with dangerous machinery or on high-rise buildings then these types of insurance might be worth investing in as they can protect the lives of both employers and employees alike from accidents that may result due to negligence.

If you’re interested in learning more about life and accidental death and dismemberment insurance, we encourage you to reach out to our employee benefits experts. We have helped many people determine if it is a good fit for their business!

Already have Life and Accidental Death and Dismemberment Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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