Accidental Death and Dismemberment Insurance, or AD&D 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 AD&D 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.
AD&D 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.
Accidental Death 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.
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 Insurance policy.
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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