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RCU Insurance Services

Home > Blog > What Is Accidental Death and Dismemberment Insurance?
MONDAY, JANUARY 16, 2023

What Is Accidental Death and Dismemberment Insurance?

Accidental death and dismemberment (AD&D) insurance, sometimes also called double indemnity, can often be added to a life insurance policy as a rider for a small additional premium. This coverage may provide a payout if the insured suffers a catastrophic injury or dies due to a covered accident.  

Woman sitting on couch drinking coffee

Why Add AD&D Coverage to Your Life Insurance Policy? 

With life insurance, the policy’s beneficiaries must file a claim to get a payout after the insured person dies. After adding AD&D coverage to a life insurance policy, the insured person has additional financial protection if they suffer specific catastrophic injuries, which may include the following: 

  • Partial or permanent paralysis
  • Loss of use of certain body parts
  • Loss of a limb
  • Loss of eyesight, hearing or speech 

Individual insurers set the terms of an AD&D policy, so your coverage may vary. The policy may pay up to 100% of the life insurance policy’s death benefit, depending on the extent of the insured person’s injuries and the terms of the AD&D policy.  

If the insured person dies in a covered accident, an AD&D policy that includes double indemnity coverage may pay twice the death benefit of the associated life insurance policy.  

 

Who Are the Advantages of AD&D Coverage? 

AD&D insurance provides limited coverage and can be a valuable addition to a life insurance policy. There are a few distinct advantages of AD&D coverage, including: 

  • Applicants do not undergo medical underwriting to get approved for AD&D coverage so long as they meet the insurer’s age requirements. 
  • The approval process for AD&D coverage is usually fast. 
  • Premiums for AD&D coverage are typically low. 
  • Double indemnity policies provide twice the death benefit if the insured person dies in a covered accident.  

Your agent can help you decide whether adding an AD&D rider to your life insurance policy or buying a standalone AD&D policy would be a good fit for your situation.  

How to Get AD&D Insurance in California 

Redwood Credit Union (RCU) members may be eligible to receive access to various insurance products, including no-cost life insurance, with the option to add low-cost AD&D coverage. Contact RCU Insurance Services in Santa Rosa, California, to request your custom life insurance policy with AD&D coverage.  

 

 
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 

 

Posted 11:16 AM

Tags: life insurance
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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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