ADD Insurance (Accidental Death & Dismemberment)
Accidental Death & Dismemberment (ADD) insurance provides coverage specifically for accidents that result in death or serious injury. This affordable insurance pays benefits if you die or lose certain body functions due to an accident, offering important financial protection at a lower cost than traditional life insurance.
Who It's For
- Individuals seeking affordable accident coverage
- Those wanting to supplement existing life insurance
- People with active lifestyles or dangerous occupations
- Young adults seeking cost-effective protection
- Anyone wanting additional accident coverage
What It Covers
- Accidental death (full benefit)
- Loss of limbs (partial benefit)
- Loss of sight (full or partial benefit)
- Loss of hearing (full or partial benefit)
- Loss of speech (full benefit)
- Paralysis (full benefit)
- Coma (benefits vary by policy)
- Specific injuries as defined in policy
Key Benefits
- Very affordable premiums
- Fast approval — often no medical exam
- Supplement to other insurance coverage
- Multiple benefit levels based on injury type
- Coverage for accidental death worldwide
- Can be purchased as standalone or rider
- Quick claims processing
- 24/7 coverage
Common Questions & Answers
What if I die from illness, not an accident?
ADD insurance only covers accidental death and injuries, not deaths from illness or natural causes. That's why it's so affordable. Many people combine ADD insurance with term life insurance for comprehensive protection — ADD for accidents and term life for all causes of death.
Is ADD insurance worth it if I already have life insurance?
ADD insurance can supplement life insurance by providing additional coverage specifically for accidents at a very low cost. If you die in an accident, your beneficiaries could receive benefits from both policies, providing extra financial security.
Are there age limits or health restrictions?
ADD insurance typically has fewer restrictions than traditional life insurance since it only covers accidents. Age limits and coverage amounts vary by provider. Our agents can help you find coverage that works for your situation.
Ready to Get Started?
Connect with a licensed insurance agent who can help you find the right coverage at the best price.