Adding more value to existing coverage

Voluntary group accidental death and dismemberment (AD&D) insurance is a simple way for employees to supplement their life insurance coverage with additional protection if they or a family member dies or is dismembered as a result of a covered accident. 

Why offer voluntary AD&D insurance?

For employers, group AD&D insurance is an easy benefit to administer and can add significant value to a comprehensive employee benefits program at a low cost.

This coverage provides employees with an additional layer of protection, allowing them to adequately purchase enough combined life and AD&D insurance to help protect their family’s financial future and give them peace of mind.

How does this benefit work?

Voluntary group AD&D insurance provides additional financial protection if an insured’s death or dismemberment is due to a covered accident, whether it occurs at work or elsewhere. 

What does the policy cover? 

Voluntary group AD&D plans can be added to a benefit package in a variety of ways. 

• Basic AD&D is employer-paid coverage, which provides an accidental death benefit often equal to an employee’s basic term life insurance amount.
• Voluntary/Supplemental AD&D offered as employee-paid coverage can be tied to  supplemental life insurance coverage or as a separate, stand-alone election.
• Dependent AD&D insurance is an employee-paid coverage that provides spouses and children with additional protection. 

Additional features

Business travel accident (BTA)

Available as a rider to a term life policy or as an additional AD&D benefit, business travel accident provides a lump-sum payment if an insured employee dies or is injured from a covered accident while traveling for business.