Accidental Death Insurance: No-Medical Exam

NO MEDICAL EXAM
Simplified Application Process NO MEDICAL EXAM
NO WAITING PERIOD
Fast Processing with Quick Coverage NO WAITING PERIOD
GUARANTEED APPROVAL
If you Meet the Requirements GUARANTEED APPROVAL
Customer Reviews


Accidental death and dismemberment insurance is there to help protect you and your family if you are seriously injured or killed in an accident. The policy can provide financial benefits if you are killed or lose a limb, suffer blindness, or are paralyzed in a covered accident.

Best of all, it's fast and easy to get covered. There is no medical exam to take, no long forms or applications to fill out, and you can get covered today with no waiting period.

If you meet the age requirements, you are guaranteed approval, regardless of your health or occupation. You cannot be turned away!

With an Accidental Death Insurance policy in your back pocket, you could have added peace of mind knowing that you and your family would be protected in the event of a tragic accident.

Full One-Time Payout of Benefits

Full One-Time Payout of Benefits

Accidental death and dismemberment insurance proceeds are paid out in a single, full lump sum after the claim is processed. There are no installment payments for you to wait for and you get all your money all at once, just when you and your family need it most. Benefits will automatically reduce by 50% on the policy anniversary following the insured person's attainment of age 70, or after five years from the effective date, whichever provides the longer period of coverage.

Living Benefits

Living Benefits

Accidental death and dismemberment insurance provides compensation called “living benefits” for injuries suffered in certain types of accidents. Living benefits can be provided for injuries including paralysis, the loss of an arm, hand, leg or foot, and blindness.

If you lose one limb, you would qualify for 50% of your policy face amount. If two or more limbs are lost, you would qualify for 100% of your policy face amount. Also, the amount paid to you as living benefits is not deducted from your policy's face amount, which remains in full effect to cover future injuries.

Double Payout in Common Carrier Accidents

Double Payout in Common Carrier Accidents

If you are injured or killed in an accident while riding as a fare-paying passenger on a bus, train, airplane, ferry, taxi, or other type of common carrier, you are entitled to double the face amount of your AD&D policy.

Why Should I Buy Accidental Death & Dismemberment (AD&D) Insurance?

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 policy in your back pocket could give 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 helps protect you in the event you are injured or killed in a covered 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 if you meet the age requirements, 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 -- less than a term or whole life policy.

Do I Have to Take a Medical Exam?

No. There is no medical exam to take, and if you meet the age requirements, you are guaranteed approval; there is no waiting period for your coverage to begin.

Can I be Denied an AD&D Policy?

No. If you meet the age requirements, 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 meet the age requirements.

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 accidental death and dismemberment insurance to help reduce the financial burden. Proceeds can be used to help 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 a covered 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 AIG Direct.

An Accidental Death insurance policy is a limited-benefit policy. Certain exclusions and limitations apply.

Benefits will automatically reduce by 50% on the policy anniversary following the insured person's attainment of age 70, or after five years from the effective date, whichever provides the longer period of coverage.

The maximum benefit for policyholders between ages 70 and 80 is $250,000.

The common carrier benefit means if we pay any benefit as a result of an accidental injury that occurs while the policyholder is riding as a fare-paying passenger inside a common carrier, we will pay an additional benefit equal to any benefit paid as an accidental death benefit or a dismemberment benefit or a paralysis benefit.

Common carrier means a taxi, school bus, streetcar, bus, train, ship, ferry, or airplane which is duly licensed by the proper authority for the sole purpose of transporting public passengers for a fee.

The policy is guaranteed renewable for life. This means that you may continue the coverage for life by paying premiums when they are due. Premiums may be changed, but only on a class basis, not based on your individual claim history.

Guarantees are backed by the claims-paying ability of the issuing insurance company.

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