Accidental Death & Dismemberment Life Insurance

Accidental death and dismemberment insurance is a straightforward type of life insurance. It only covers you if the cause of death is due to an accident. As a result, it’s much more affordable than any other type of life insurance.
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Accident Death & Dismemberment Insurance

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: December 26th, 2022

Edited by Lisa A Koosis
Medical Claims Specialist

What is Accidental Death and Dismemberment Insurance?

This type of coverage is the most straightforward of all life insurance policies. Accidental death and dismemberment insurance will cover your death if it’s solely the result of an accident. It will also pay out various amounts of the benefit if you obtain an accident-based disability that causes loss of limb, eyesight, or ability to move.

Some life insurance companies will also double the amount of coverage if the accidental death occurs on a commercial carrier, such as an airline or a train.

Because this type of insurance pays in the event of death due to an accident, not health-related death, it also becomes much more affordable. At the same time, it makes it a great alternative to life insurance for those who can’t qualify due to health problems, or other reasons.

Since AD&D insurance is a type of whole life insurance, there is no predefined policy end date. As long as you make the payment, your policy will remain in force. This also means that your price will never increase, and your coverage will never decrease.

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Important takeaways
  • Accidental death and dismemberment pays in case of severe injury or death due to an accident
  • Since death due to natural causes, including disease, is excluded from AD&D, the cost is far lower compared to standard life insurance
  • The application is simple and straightforward. No medical examination or health questions required.
  • Once you purchase an AD&D policy it will stay in effect until you cancel. The price will never increase and the coverage will never decrease

What Does Accidental Death and Dismemberment Cover?

The insurance company will conduct a thorough investigation into the cause of death. As long as the death isn’t due to health-related issues, the policy will most likely payout.

What is covered:AD&D InsuranceLife Insurance
Death due to illness or diseaseNoYes
Death due to old ageNoYes
Death due to an accidentYesYes
Death due to murderYesYes
Loss of a finger, toe, or other limbYesNo
Coma or paralysis after an accidentYesNo
Long-term health effects due to an accidentYesNo
Death due to suicideNoNo

Reasons accidental death insurance will not payout

Most people can use common sense to guess what the exclusions would be, but a conversation with a licensed True Blue agent will remove any doubt.

  • An intentionally self-inflicted injury, suicide, or any attempt at suicide
  • If the blood alcohol content is .08 percent or higher
  • If the insured is taking a narcotic—or any drug or medication for that matter unless it’s prescribed by a physician
  • Engaging in any illegal activity
  • Service in the armed forces or injuries sustained in war
  • Participation in hazardous hobbies like skydiving, etc

When accidental death insurance will payout

In the simplest terms, any death that is not from natural causes (which includes disease), will usually fall into this category. This includes but is not limited to:

  • Car accidents
  • Accidental discharge of a firearm
  • Work related accident
  • Airplane crash
  • Even murder can be considered as an accidental death.

How Much Does Accidental Death & Dismemberment Insurance Cost?

When it comes to inexpensive life insurance, this type of coverage is the way to go if you’re looking for the most cost-effective protection.

In fact, an accidental death policy will probably cost less than what you pay for Netflix or an Amazon Prime membership every month.

Since accidental death insurance covers death due to an accident, it eliminates the need for health questions or exams. As a result, this dramatically reduces the policy cost.

Sample rates of Accidental Death and Dismemberment Insurance compared to Life Insurance

These rates are calculated for an individual in the same health and state. The only difference is that for life insurance, the rates are calculated for a 20-year term. Since AD&D is a type of whole life insurance, there is no term.

AgeCoverageAD&D InsuranceTerm Life Insurance
20$50,000$5.23$9.49
$250,000$25.52$20.25
30$50,000$5.23$8.61
$250,000$21.34$12.62
40$50,000$5.23$11.37
$250,000$19.58$17.64
50$50,000$5.23$21.88
$250,000$22.22$38.92
60$50,000$5.23$50.55
$250,000$22.22$110.72

The prices above are sample prices calculated for non-smokers based in California in excellent health. To calculate your rates, get an Accidental Death insurance quote or term life insurance quote.

How common is death due to an accident?

Accidents are the fourth leading cause of death in the U.S. today. That’s a shocking number of fatalities occurring because of accidents.

According to the Centers for Disease Control and Prevention, accidents account for over 130,000 deaths each year in the United States.

Accidents come in all shapes and sizes, but it’s typically defined as a sudden event that is not planned or intended, causing injury or death. It’s an unforeseen and sudden physical situation you can’t control.

Death from accidents involving motor vehicles, machinery, unintentional poisoning, slip and falls, suffocation, choking, drowning and more are usually covered by accidental death benefit insurance.

Therefore, if you’re in a car, bus, or airplane crash; or if you are hit by a car while crossing the street or you fall off a ladder while trying to fix your roof and you die as a result—these are considered accidental deaths that would be covered.

How Does Accidental Death Insurance Work?

It’s quite simple, really. You buy a contract with an insurance provider. That contract binds you, the insured, to pay the insurance provider a monthly fee.

In return, the insurance provider pays you, or your beneficiaries a lump sum of cash if conditions are met. Such conditions are if get severely injured, lose a limb, or die due to an accident.

Accidental death insurance is very similar to life insurance, apart from a few differences.

There are two important, but simple differences, between AD&D and life insurance.

It lasts your entire life, term life insurance does not

Since AD&D is a type of whole life insurance, it lasts your entire life. That means, no predefined end date (or term). This is important because if you compare AD&D to term, the cost is not that much different. And term life insurance covers more than Accidental Death insurance does.

But, term life insurance has a predefined end date. That means that once your policy ends, say 10, or 20 years from now, you’ll have to apply for a new life insurance policy. And this time, it will cost significantly more.

AD&D on the other hand, will not expire unless you stop paying the policy. So while the difference between AD&D and term life insurance is somewhat minimal while you are young, it becomes much larger as you grow older.

It’s far cheaper than other types of whole life insurance

You could raise the fact that the above example is of an AD&D policy, versus a term life insurance policy, which may not be an apple to apple comparison, as AD&D is a type of whole life insurance.

So let’s look at AD&D compared to the standard cash-value building whole life insurance policy.

The cost of an AD&D policy compared to a cash-value whole life insurance policy are far lower. A 30-year-old male could get $250,000 in AD&D coverage for about $21/month. That same person would pay roughly $123/month for the same amount of coverage in a cash-value whole life insurance policy.

AD&D covers death and injury due to an accident, life insurance only covers death

Life insurance covers just about any cause of death, with some rare exceptions. AD&D however, covers most causes of death, except due to age, or health. At the same time, life insurance does not cover loss of limbs or injury due to an accident where AD&D does.

Are Accidental Death Policies Worth It?

Many people ask if these policies are worth the expense. It’s true that the risk of dying due to an accident is lower than due to health. Especially so if you are in your 40’s or older. But given the low cost, it’s probably worth it. Not just as a standalone policy, but even as an addition to your life insurance policy.

For example, a 42-year-old man in Georgia could get a $50,000 accidental death and dismemberment policy for about $60 per year. Even if he kept the policy in force up to age 100, his overall cost for this protection would only be about $2,400.

If at any point he would get seriously hurt or die due to an accident, he or his beneficiaries would receive a payment of up to $50,000. We say up to since the payment due to an accident can fluctuate based on the severity.

AD&D policies offer a potentially attractive return on investment. And because accidents can happen anytime, this type of coverage works for just about every person from every walk of life.

Reasons to get AD&D insurance by age group

Ages 18-25: When it comes to the probability of death, young adults are more at risk for death by accident than by natural causes. Although people in this age group are less likely than older adults to have dependents, the death of a young adult can still have a significant financial impact.

An accidental death policy is an inexpensive life insurance option for covering potential medical bills and final expenses resulting from an end-of-life situation.

Ages 25-35: Many people in this age group are beginning careers and starting families. An accidental death policy provides an extra level of protection. It also ensures the financial certainty of any dependents, all at an affordable rate.

Many employers offer this type of coverage as part of their overall benefits package. But, it’s important to realize that group life insurance policies obtained through the workplace end when employment there ends. So, it can be smart to invest in separate accidental death and dismemberment coverage that’s not part of a job-related benefits package.

Ages 35-55: Accidental death coverage provides a great add-on to an overall financial plan for people in this age group. That’s especially true for those who travel frequently. Although death while traveling may be a rare event, it does happen.

Investing an extra couple of dollars a month to cover the increased costs related to an accidental death may make sense.

Ages 55+: As you grow older, life insurance can become quite expensive. If you are on a limited budget, these policies provide coverage at a fraction of the cost of life insurance. Although the coverage would be limited to accidental death or dismemberment. Your overall health will also have no impact on the price.

These types of policies work well for everyone — even those who already own a life insurance policy.

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How to Get Accidental Death and Dismemberment Insurance

Through employment

Many companies, and unions, offer accidental death and dismemberment insurance through group life insurance. It’ll most likely just cost you a few dollars a month. Just keep in mind that you quit that job, you’ll also lose the insurance.

Through a rider

If you already own – or are getting ready to buy a life insurance policy – there’s a good chance that the policy offers an accidental death rider. Put simply, a rider is an additional benefit of the policy. Sometimes it’s free, sometimes it costs a bit extra, depending on the insurance provider. If you get accidental death and dismemberment through a rider, it saves you the hassle of having to apply for it separately. Additionally, it will be included in your monthly premium automatically.

Buying accidental death insurance separately

You can of course buy an accidental death policy as well, even if you already have it through work or through a rider. The application is extremely straightforward as your health has no impact on the cost.

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Accidental Death Benefit Life Insurance Reviews

4.9 /5
Based on 42 reviews

Excellent
95%
Great
0%
Average
2%
Poor
2%
Bad
0%
May 21,2021
Derrick Rogers Verified
Oxford,NC
Cheryl made the process fast and easy!
Company:
United of Omaha Insurance Company
Product:
Guaranteed ADvantage
Policy length:
Accidental Life Insurance

Apr 14,2021
Tiffany Tagbo Verified
Oklahamo City,OK
The application process was very easy.
Company:
America's Consumers and Affiliates
Product:
Prepared II Accidental Death
Policy length:
10 year

Apr 03,2021
Brian Wiemeri Verified
Naples,FL
Quick, easy and to the point.
Company:
Independent Order of Foresters
Product:
Prepared II Accidental Death
Policy length:
Accidental Life Insurance

Mar 15,2021
Bishop Davis Verified
Tennille,GA
Easy and convenient approvals
Company:
United of Omaha Insurance Company
Product:
Term Life Expresss
Policy length:
10 year

Feb 05,2021
Brian Leib Verified
Debuque,IA
Very good experience. Easy process.
Company:
Independent Order of Foresters
Product:
Guaranteed ADvantage
Policy length:
10 year

Dec 04,2020
Deborah Malins Verified
South Haven,MI
Good response. Easy experience since info was already stored from previous purchase. Quick approval, good price, friendly salesperson. True lue has been a very pleasant experience for me and a good value.
Company:
Gerber Life Insurance Company
Product:
Life Accident Protection
Policy length:
Accidental Life Insurance

Aug 29,2020
Jose Enriquez Verified
Phoenix,AZ
Excellent and fast .
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Feb 14,2020
Eric Shane Auwae Verified
Honolulu,HI
Awesome experience great customer service, and just like that im insured.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Jan 28,2020
David Hubbard Verified
Grand Rapids,MI
It was very pleasant, Brandon was fast and thorough.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Jan 18,2020
Sheila Estes Verified
Birmingham,AL
Fast easy reliable and efficient
Company:
United of Omaha Life Insurance Company
Product:
Guaranteed ADvantage
Policy length:
Accidental

Sep 06,2019
Nader Sadighi Verified
Laguna Beach,CA
Process was fast and did not took too many min.
Company:
Mutual of Omaha Insurance Company
Product:
Life Accident Protection
Policy length:
Accidental

Jun 11,2019
Dallas Wohlfeil Verified
,CA
It was fast and very professional. Appreciate the good service
Company:
Gerber Life Insurance Company
Product:
Life Accident Protection
Policy length:
Accidental

Jun 01,2019
Christopher Johnson Verified
Dallas,TX
It was brief but thrall I received all the information I needed and started my policy so my loves would be ok after I’m gone.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
Age to 100

Mar 18,2019
Carol Woodyard Verified
Raleigh,NC
Obtaining life insurance was very easy with True Blue - we had tried other sites and the process was confusing and difficult.
Company:
United of Omaha Life Insurance Company
Product:
Guaranteed ADvantage
Policy length:
Accidental

Mar 13,2019
Jose Rivera Verified
Roswell,GA
Ken took his time to find the right life Insurance for me thank you you’re the best....
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Issue Life Insurance

Feb 27,2019
Sonia Caraballo Verified
Kissimmee,FL
GREAT EXPERIENCE... could not be any easier.
Company:
United of Omaha Life Insurance Company
Product:
Guaranteed ADvantage
Policy length:
Guaranteed Issue Life Insurance

Feb 20,2019
Danielle Schenk Verified
Kentwood,LA
Cheryl is a wonderful agent. She has gone above and beyond for all my needs. She is a true asset to your company.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Feb 07,2019
Linda Mourkakos Verified
Uncasville,CT
excellent always there for any type of question
Company:
Gerber Life Insurance Company
Product:
Life Accident Protection
Policy length:
Accidental

Feb 05,2019
Agnes Kim Verified
Olyphany,PA
The premium rate was good but Sagicor asked me a medical exam when it advertised that it did not require one. I ended up not taking the medical exam. I wish Sagicor communicates better with its customers.
Company:
Sagicor Life Insurance Company
Product:
Sage Term - No Exam
Policy length:
20 years

Feb 01,2019
Jeannine Foley Verified
Seattle,WA
I remember the agent coming to visit my parents frequently as a child and I am now over 50 so they are still around and that tells me all I need to know...
Company:
Mutual of Omaha Insurance Company
Product:
Guaranteed ADvantage
Policy length:
Accidental

Jan 24,2019
John Perez Verified
Corpus Christi,TX
Very courteous and helpful.
Company:
Gerber Life Insurance Company
Product:
Life Accident Protection
Policy length:
Accidental Life Insurance

Jan 22,2019
Kierstyn Hayducka Verified
Hackettstown,NJ
Response was prompt and overall the experience was easy.
Company:
United of Omaha Life Insurance Company
Product:
Guaranteed ADvantage
Policy length:
Accidental

Nov 26,2018
Douglas Shebroe Verified
Palm Beach Gardens,FL
Excellent product and very good customer service. Very much five star all the way.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Nov 26,2018
Travis Kennedy Verified
Noblesville,IN
Assurity offered the best policy for our needs. I'm grateful for their flexibility and under that not everyone's circumstances are ideal. I would recommend Assurity to anyone looking for life insurance of any kind.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Oct 19,2018
Ward Komers Verified
Murrieta,CA
Very pleased, no issues so far.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Sep 25,2018
Gerard Reyes Verified
Jersey City,NJ
Great product for my need. Thanks.
Company:
Gerber
Product:
Life Accident Protection
Policy length:
Accidental

Sep 20,2018
Anthony Winford Verified
England,AR
Great Price!!! Recommended...
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Aug 29,2018
Kevin McKinney Verified
Snellville,GA
My experience so far has been good.
Company:
Sagicor Life Insurance Company
Product:
Sage Term - No Exam
Policy length:
10 years

Aug 14,2018
Donald Holder Verified
Fayetteville,NC
excellent, and satisfied
Company:
Gerber Life Insurance Company
Product:
Life Accident Protection
Policy length:
Accidental

Aug 14,2018
Joe Ferguson Verified
Cypress,TX
Approved me for the amount I was needing at an affordable price.
Company:
Mutual Of Omaha
Product:
Guaranteed ADvantage
Policy length:
Accidental

Jun 28,2018
Robert Barkle Verified
Stevenson Ranch,CA
Everything straightforward and easy to to.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Jun 25,2018
Kevin McKinney Verified
Snellville,GA
So far everything has been been great!
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

May 30,2018
Ralena Wright Verified
Clifton Park,NY
Excellent, thank you very much.
Company:
United of Omaha Life Insurance Company
Product:
Guaranteed ADvantage
Policy length:
Accidental

May 14,2018
John Fairless Verified
,FL
Always delivers as promised.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Apr 11,2018
Jodi Hoefler Verified
Memifee,CA
Best rates and easy to apply
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Mar 22,2018
Jared Williams Verified
Lees Summit,MO
Rated 3 stars only because I just signed up for policy. Great pricing though for a very reasonable coverage amount.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Mar 19,2018
James Rodriquez Verified
Sebastian,FL
I'm putting five stars because of the agents but I can't not rate the company yet because I am a new client
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Mar 13,2018
Terry Schoolmaster Verified
,TN
So far so good! I will be a life loyal customer!
Company:
United of Omaha Life Insurance Company
Product:
Guaranteed ADvantage
Policy length:
Accidental

Mar 12,2018
Justin Cardella Verified
SunValley,NV
Good rate, so far so good
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Oct 23,2017
Ashley Pearson Verified
,OR
Fast and easy application process, and well priced!
Company:
Gerber Life Insurance Company
Product:
Life Accident Protection
Policy length:
Accidental

Sep 14,2017
Dwight Funk Verified
,UT
Cheryl was a very effective and knowledge agent for Fidelity. You are fortunate to have her on your team. Alan
Company:
Fidelity Accidental Death Benefit
Product:
Guaranteed Issue Accidental Death Benefit
Policy length:
Accidental

Feb 23,2017
Justin Cardella Verified
SunValley,NV
Exactly what I needed at a great rate
Company:
Fidelity Accidental Death Benefit
Product:
Guaranteed Issue Accidental Death Benefit
Policy length:

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