Accidental Death & Dismemberment (AD&D) Insurance Benefits
Receive a benefit payout in the event of dismemberment or death due to a covered accident.
AD&D coverage helps you stay prepared. In the unfortunate event that an insured person suffers a dismembered limb, passes away, or loses of sight, speech, or hearing due to a covered accident, this Benefit will pay the beneficiary up to the benefit amount. If a spouse and/or children are on the policy, they are covered at the same percentages.
| % OF BENEFIT PAID | |
|---|---|
| Death resulting from an accidental injury | 100% |
| LOSS OF: | |
| Both hands or feet | 100% |
| One hand and one foot | 100% |
| Speech and hearing | 100% |
| Entire sight in both eyes | 100% |
| One hand or foot and entire sight in one eye | 100% |
| One hand or one foot | 50% |
| Entire sight of one eye | 50% |
| Speech or hearing | 50% |
| Hearing in one ear | 25% |
AD&D Benefit Features:
- Plan AcciProtect 100K include coverage for a lump sum benefit of $100,000 in the event of accidental dismemberment or death resulting directly from a covered accidental injury
- Plans OptiProtect+ 5K & OptiSelect+ 5K include coverage for a lump sum benefit of $5,000 in the event of accidental dismemberment or death resulting directly from a covered accidental injury
- Plan OptiProtect+ 10k include coverage for a lump sum benefit of $10,000 in the event of accidental dismemberment or death resulting directly from a covered accidental injury
- Benefit not restricted to medical expenses
- No waiting periods
- No reduction in benefit for any obtained age
The Accidental Death & Dismemberment benefit pays the amount shown if you suffer a Covered Accident that results in death, dismemberment, or loss of sight, speech, or hearing within 365 days from the date of the accident. If you sustain more than one Covered Loss as a result of the same Covered Accident, only the largest available benefit will be paid. If the loss results in death, benefits will only be paid under the Loss of Life benefit provision.
$5,000, $10,000 and $100,000 AD&D Benefit Levels available.