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Accidental Death Insurance (AD&D Insurance)

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

Many of our everyday activities come with built-in risks. Each time you commute to work or board a plane for a work trip, for example, you do so expecting to arrive safely at your destination.

Unfortunately, accidents happen more often than we'd like to think. In fact, accidental death is the number four cause of death, according to the Centers for Disease Control and Prevention.1

If you died unexpectedly in an accident, it would, of course, be emotionally devastating for the people who love you. But it could also be financially devastating for them, as your loved ones would likely need to cover the cost of your funeral and medical bills — not to mention the costs associated with maintaining your household.

While you can't predict accidents, you can certainly plan for them.

That's why we offer Accidental Death and Dismemberment (AD&D) Insurance, which can help to protect you and your family should you get seriously injured or killed in a covered accident.

Ready to get started? Get a Accidental Death Insurance quote now, or read on to learn why accidental death insurance may be just what you need.

What is AD&D Insurance?

Accidental Death and Dismemberment Insurance, or AD&D Insurance, can provide financial benefits if you are killed; or lose a limb, suffer blindness, or are paralyzed in a covered accident.

Just as its name implies, an accidental death and dismemberment insurance policy covers death or injuries that are proven to be the direct result of a covered accident.

What Does Accidental Death Insurance Cover?

Accidents involving work-related machinery, poisoning, falls, suffocation, choking, drowning, and fires are generally covered by an accidental death and dismemberment policy. An AD&D policy also may cover dismemberment (partial or total loss of a hand, arm, or other body part), as well as may cover paralysis and the loss of sight, speech, or hearing.

It also typically covers injuries or deaths that result from an accident that occurs while riding as a fare-paying passenger on a bus, train, airplane, ferry, taxi, or another common carrier.

Generally, a death must occur within a few months of the accident in order to be covered by the policy. Death or injury that is not directly the result of an accident is not covered.

Why You Might Need Accidental Death Insurance

AD&D Insurance is a way to help protect your family during an already difficult time in their lives.

Many people choose an accidental death insurance policy because it doesn't require you to complete a medical exam. This is ideal for people who may have had a hard time getting approved for a term or whole life insurance policy in the past, both of which may require a medical exam for approval.

As long as you meet the age requirement (18 to 80 years old), you can't be turned down for any health-related reason.

5 Reasons to Consider Accidental Death Insurance Accidental Death Insurance might be right for you if:

  1. You want the peace of mind that your loved ones would be protected in the event of a tragic accident
  2. You want to help protect your family without taking a medical exam
  3. You want additional or increased coverage, on top of traditional life insurance
  4. You're on a tight budget
  5. You need coverage quickly

You can't be turned down due to your occupation either. If you're a firefighter or a police officer, for example, your passion for protecting others wouldn't prevent you from protecting your family, too.

Although it's not a life insurance policy, accidental death insurance can provide some degree of coverage for people who might otherwise have none, due to a health issue.

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

Full One Time Payout of Benefits

Benefits Paid in Full in One Payment

After the claim is processed, the insurance carrier pays out the coverage amount in one single lump-sum payment. That means that you or your loved ones will get all the money at once, when it's needed most, without having to wait.

Living Benefits

Living Benefits

AD&D Insurance may also provide 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 may qualify for 50 percent of your policy coverage amount. If two or more limbs were lost, you may qualify for 100 percent of your policy coverage amount. Also, the amount paid to you as living benefits may not be deducted from your policy's coverage amount, which may remain in full effect to help cover future injuries or death.

Double Payout in Common Carrier Accidents

Up to Triple 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 may be entitled to double, or even triple, the coverage amount of your AD&D Insurance policy.

Three Easy Steps to Buy Accidental Death Insurance

  1. Start the application process by requesting a quote for Accidental Death Insurance.
  2. Your application will be reviewed. If you meet the requirements, your approval is guaranteed.
  3. You'll receive your policy (some carriers use electronic delivery for policy owners who provide an email address at the time of application).

Want even faster coverage? Speak to one of our helpful agents at 800-294-4544 and receive coverage within minutes.

Frequently Asked Questions

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 Accidental Death Insurance 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, oftern for just pennies a 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 AD&D life 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 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 Accidental Death 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.

> Get a free Accidental Death Insurance quote.

Reviews from Customers who Bought Accidental Death Insurance through AIG Direct

Our satisfied customers can tell you more about our life insurance products than any advertising campaign ever could. Read reviews from real-life customers who have purchased accidental death insurance through AIG Direct.

The endorsements/testimonials presented should not be construed as a recommendation to purchase, or an indication of the value of any product or service. The testimonials are actual AIG Direct customers who are not affiliated with AIG Direct and were not provided compensation.


1 “Accidents or Unintentional Injuries,” Centers for Disease Control and Prevention, Last Updated March 2017, Web, Accessed July 2018 (