What is AD&D insurance?

Accidental death and dismemberment (AD&D) insurance is a category of life insurance that only pays out a benefit when the insured is in a covered accident that causes death or specific serious injuries such as the loss of a limb, paralysis, or blindness. AD&D coverage can be purchased as a standalone policy, or it can be added to a standard life policy as a rider.

What is an AD&D rider?

An AD&D rider can be added to a standard life insurance policy to increase your benefit (up to double, depending on the policy) if you die from a covered accident — and it can pay out a certain amount while you're still alive if you have an accident that causes a qualifying injury.

Learn more about how life insurance works, and explore Progressive's life insurance policies through eFinancial.

What does AD&D insurance cover?

The accidents and injuries your AD&D coverage can pay out for will be specified in the policy. Depending on your policy, accidental dismemberment might include not only the loss of a limb but also serious accidental trauma that prevents you from working. Accidents covered by AD&D insurance may include:

  • Car accidents
  • Workplace injuries or death
  • Fire-related injuries or fatality
  • Accidents with firearms
  • Falls and other injurious accidents

What is accidental death benefit (ADB) insurance?

Both AD&D and ADB life insurance policies only pay out in the case of accidents. The main difference is that an ADB policy may only pay out for a fatal accident, while AD&D policies can also pay out for accidental dismemberment and certain accidental injuries. Insurers might only offer one or the other, or both.

What's not covered by AD&D insurance?

While AD&D insurance may cover accidental death and murder, there are many causes of death and injury that may not be covered, often including:

  • Specified recreational activities
  • Overdose
  • Accidents while occurring under the influence of drugs or alcohol
  • Suicide
  • Natural causes or illness

Keep in mind that if you're in a particularly high-risk job such as firefighting, law enforcement, or the military, you may not be able to qualify for AD&D coverage. Shop around, as your eligibility could differ by insurer.

The cost of accidental death insurance vs. life insurance

Accidental death insurance is usually more affordable than standard life insurance rates. Just like with life insurance, your AD&D insurance premium will depend on the information provided in your application and the death benefit you select. And the older you get, the more expensive AD&D will become. AD&D or ADB coverage should be specific to you, so talking directly with a life insurer can help you find the right options for your coverage needs and budget.

Do AD&D and life insurance combine?

Accidental death and dismemberment coverage can be combined with life insurance as a rider on your life policy. Alternatively, AD&D insurance purchased as a standalone policy can serve as a supplement to your existing life insurance. However, standalone AD&D policies are more typically purchased by individuals who don't qualify for standard life insurance but want some level of coverage.

Is accidental death insurance worth it?

If you can qualify, term life insurance pays out for far more causes of death than AD&D insurance, and it may not cost significantly more. Therefore, if you're concerned about accidents, adding an AD&D rider onto a standard life insurance policy can make more sense than purchasing a standalone AD&D policy.

However, if you don't qualify for standard life insurance, AD&D coverage may still be better than no coverage. An AD&D policy may be easier to qualify for because it doesn't require a medical exam, and you can generally get an AD&D policy faster than a standard life policy.

How to get AD&D coverage or life insurance

If you're considering an AD&D or ADB policy, call 1-866-749-7436 to speak with a licensed representative. Or to further explore your life insurance options, you can quote a standard life policy online.