Combine Accidental Death and Dismemberment Coverage with Term Life for Complete Protection

Help protect yourself and your family from accidental injury as well as death.

Buying term life insurance can be a great way to protect your family and other loved ones against financial hardship caused by your unexpected death. But what about if you lose a limb, your sight, or are otherwise seriously injured in an accident that is not covered by your term life policy?

According to the Centers for Disease Control, each year, more than 29 million people receive emergency room treatment for injuries and more than 2.8 million are hospitalized. Even more, injuries account for more than $406 billion in medical costs and lost productivity each year.¹

These grim statistics make a case for buying term life insurance, but also for protecting yourself and your loved ones in the event you are seriously injured in an accident. Have you considered buying Accidental Death and Dismemberment (AD&D) insurance to better protect yourself for these circumstances?

Term Life Insurance + AD&D = Comprehensive Coverage and Peace of Mind

An AD&D policy pays off if you die accidentally but also covers debilitating injuries, such as the loss of a limb, sight, paraplegia, or quadriplegia, which are often not covered by a term life insurance policy.

AD&D insurance rates tend to be more affordable that term life insurance rates. Combining the two types of coverage can mean you end up with affordable term life insurance with more protection. AD&D doesn't replace affordable term life insurance, but it can be attached to your term life policy as a "rider" to give you increased peace of mind.

AD&D Polices: What to Expect

AD&D coverage is similar to a term life insurance policy, in that there generally is no restriction on what your beneficiary can use the money for. Another advantage is that with AD&D, there is:

No medical exam. To get the best term life insurance rates, you need a medical exam. For an AD&D policy, you don't.
Guaranteed coverage. Applying for a term life insurance plan doesn't mean you'll get it. You must finish the application process to learn your term life insurance rate. AD&D acceptance is guaranteed if you meet the age criteria (typically 20 to 65 years).
Quick coverage. You can often get AD&D coverage immediately over the phone.

Car accidents, natural disasters, recreational tragedies and other unforeseen accidents can happen at any time. A disability can prove emotionally and financially devastating to the injured party and their loved ones. When shopping for the best term life insurance plan or reviewing your current term life insurance policy, why not also consider AD&D? You might be pleasantly surprised at the rate and doubly pleased at the peace of mind an AD&D policy can provide.

Source:
1. "Injury: The Leading Cause of Death Among Persons 1-44," The Centers for Disease Control and Prevention, http://www.cdc.gov/injury/ overview/leading_cod.html