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Overview of Accidental Death Insurance

Accidental Death and Dismemberment (AD&D) insurance helps protect you and your loved ones if you are seriously injured or killed in an accident. AD&D provides valuable financial benefits in the event of an accident to help cover living expenses, mortgages, and other costs.

It’s fast and easy to get an AD&D policy. There are no long forms to fill out, no medical exams to take and no waiting period – your coverage starts right away.

You are guaranteed approval if you are between the ages of 18 and 80, no matter your health or occupation. Simply put, you cannot be turned away!

An AD&D policy helps give you added peace of mind that can only come from knowing that you and your family would be protected in the event of a tragic accident.

Accidental Death Insurance Benefits:

  • Single, federal income tax-free payment of policy proceeds
  • Payment of twice the policy face value (also called Double Indemnity) for injuries or death suffered while riding on a bus, airplane, taxi, or other common carrier
  • Living benefits for paralysis, blindness, or lost limbs

Frequently Asked Questions - Accidental Death Insurance

Why Should I Buy Accidental Death & Dismemberment (AD&D) Insurance?
Accidents are one of the leading causes of death for people under the age of 45 and a leading cause of death for all adults. While you may convince yourself that you will not die or be seriously injured in an accident, isn't it better to be safe than sorry? Having an accidental death and dismemberment insurance in your back pocket gives you added peace of mind.
Also, if a medical condition or other factor prevents you from qualifying for a term life insurance policy, an accidental death and dismemberment policy can offer some measure of protection when you would otherwise have none.
What is AD&D Insurance?
Accidental death and dismemberment insurance protects you in the event you are injured or killed in an accident. It can be purchased separately or as supplemental insurance in addition to term or whole life coverage. AD&D provides a cash amount to beneficiaries if you die or suffer a partial or complete dismemberment injury in a covered accident.
How Do I Buy AD&D Insurance?
You can buy accidental death insurance right over the phone in just a few minutes. There is no medical exam to take, you are guaranteed approval, and there is no waiting period for your coverage to begin. Also, there are no long medical forms or applications to fill out and your monthly premiums are affordable -- cheaper than a term or whole life policy with no price hikes for as long as you pay your premiums.
Do I Have to Take a Medical Exam?
No. There is no medical exam to take, you are guaranteed approval, and there is no waiting period for your coverage to begin.
Can I be Denied an AD&D Policy?
No. If you are between the ages of 18 and 80, regardless of your health, occupation, or other factors, you are guaranteed an accidental death insurance and dismemberment policy without a medical exam for just pennies per day!
Can I be Denied an AD&D Policy?
No. If you are between the ages of 18 and 80, regardless of your health, occupation, or other factors, you are guaranteed an accidental death insurance and dismemberment policy without a medical exam for just pennies per day!
What if I Have Medical Problems?
You can qualify for accidental death and dismemberment insurance even if you have pre-existing medical conditions. You cannot be turned down for coverage if you are between the ages of 18 and 80.
What Expenses Can an AD&D Insurance Policy Cover?
While no amount of money can bring back a loved one who dies in an accident, surviving loved ones can use proceeds from an accidental death and dismemberment insurance to help reduce the financial burden. Proceeds can be used to pay for mortgage, rent, and other living expenses, college or retirement funds, medical bills including deductibles and other out-of-pocket costs, burial and funeral costs, and lost wages to maintain a standard of living.
What Does an AD&D Insurance Policy Cover?
Just as its name implies, an accidental death and dismemberment insurance policy covers death or injuries which are proven to be direct results of an accident. Accidents involving work related machinery, poisoning, falls, suffocation, choking, drowning, and fires generally are covered by an accidental death and dismemberment policy. An AD&D policy also covers dismemberment (partial or total loss of a hand, arm, or other body part) as well as paralysis and the loss of sight, speech, or hearing.
Generally, a death must occur within a few months of the accident in order to fall under the policy. Death or injury that is not directly the result of an accident is not covered by the policy.
What Is Not Covered by AD&D Insurance?
Most accidental death and dismemberment policies do not cover injuries or deaths caused by surgery, mental or physical illness, drug overdose, bacterial infection, drinking and driving, suicide or attempted suicide, or those suffered while engaged in high-risk activities such as skydiving, car racing, or while at war.
Buy an AD&D Insurance Policy Today!
Don't leave your spouse, children, or other family members behind with a financial hardship if you die in an accident. Take a few minutes right now to request a free no-medical accidental death insurance quote from Matrix Direct.

About AIG Direct

We are part of AIG, one of the largest insurance organizations in the world. Millions of people worldwide rely on the AIG companies to help protect themselves and their families.

With AIG Direct, you can work with one of the global leaders in insurance to help protect your family with reliable and affordable term life insurance. Insurance (or term life insurance) through AIG Direct is a solid foundation you can build on to help protect your hopes and dreams while helping to provide for your family's financial future.

Since 1995, AIG Direct has helped over six million people in their search to find top quality term life insurance protection at affordable rates. We continue to assist thousands of people each month, helping them secure top-quality coverage.

To help keep things simple, we work directly with you to find the best term life insurance coverage to suit your budget and needs. AIG Direct strives to provide customers with valuable, in-depth and personalized term life insurance information along with the convenience of handling everything right over the phone.

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