Group Accidental Death and Dismemberment Insurance
Underwritten By New York Life Insurance Company
It's Easy. And Smart.
Accidental Death & Dismemberment (AD&D) Insurance may be a good option to help protect you and your family from financial hardship after a serious accident, which other types of insurance may not cover. For only a few dollars a month, you can get thousands of dollars in added coverage on top of any life insurance coverage you have. If you’ve been denied for life insurance, AD&D may be a good alternative.
Overview of Coverage Group Accidental Death and Dismemberment:
- Benefit amounts up to $300,000
- Coverage available for spouses and eligible dependents
- No medical underwriting
- Child Care Benefit available with dependent coverage
Important Questions:
View All
Does Accidental Death & Dismemberment Insurance replace life insurance?
No, AD&D insurance should not be a replacement for a good life insurance policy. AD&D Insurance is good to have in your insurance portfolio for added protection. To protect yourself in other circumstances, such as natural illness, you should maintain life insurance. If you’ve been denied for life insurance or you’re unable to afford it at this time, AD&D may be a good idea to purchase because it can provide some financial protection in case of accident.
What is a covered accident under an Accidental Death & Dismemberment policy?
If you are involved in an accident that results in a loss of life, limbs, speech, and/or hearing, you could receive full or a portion of your benefit as noted in the policy. Natural sickness, diseases not related to an injury, or injuries resulting from medical/surgical treatments are some exclusions on the AD&D policy. The full list of exclusions can be found in the Learn More section on the right.
Have more questions?
For more information on this coverage – features, costs, eligibility, renewability, limitations and exclusions – click on the Learn More section on the right or contact an NJCPA insurance specialist.
Understanding the Application Process
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010—Policy Form GMR-FACE-29468.
Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.