Accidental Death & Dismemberment Policy

If you’re like most people, you’ve received numerous pieces of mail that offered some type of insurance coverage.

Personally, I receive these in the mail several times a week. Guess where most, if not all, of them end up? Yup, you guessed it — IN THE TRASH.

Most of this “junk mail,” comes from my bank, no less. I often wonder who’s at the top of this junk mailer decision.

Lord help me. Credit card companies send a plethora of junk mail too.


Sometimes I feel like writing everyone and say STOP SENDING THESE TO ME. If I didn’t complete it the last 50 times, then I’m not completing the 51st one.

Back to the business at hand ✋ .

Let’s talk about one particular policy that arrives in the mail and I actually completed it and turned it in; however, I really didn’t understand what I signed up for.

All I knew was it was from my bank and it was for Accidental Death & Dismemberment, but thats about the jist of it.

Now that I understand just exactly what an AD &D policy is and does, why not share my knowledge with you all.

In a nutshell, most AD&D policies cover the owner of the policy, which is usually the insured, in the event of an unfortunate accident resulting in death or Dismemberment.

Face Amount

The face amount of the policy is the benefit that may be paid to the insured or beneficiary, in case of a covered accident.

Face Amount can be any dollar amount stated on your contract. MOST benefits payout starting at $25k and up; however, all contracts are different.

Whats usually covered?

  • Accidental death (auto accident, vehicle, slip and fall, etc)
  • Almost any accident not resulting due to your contribution.

What’s not covered

  • Accidents that happen in the commission of a crime
  • Accidents where you signed a waiver of your rights. (Hiking, bungee jumping, sky diving, etc)
  • Accidents caused by you being under the influence of alcohol or illegal or illicit drugs.
  • Et al

Time constraints

Death or Dismemberment must have occurred within 90 days of the accident. Anything transpiring or ongoing after 90 days may not be covered. For example: if you’re in the hospital longer than 90 days and then you pass away, death benefit may not be paid.

The injury

In order for most death benefits to be paid out will require the following to have occurred:

  • Death
  • Loss of 2 of the same Limbs or vision
  • Loss of 1 of 2 limbs or vision. Ex: 1 eye & 1 arm

This gives you a quick idea of what an AD&D policy covers.

Most AD&D policies are fairly inexpensive. You never know when an accident may occur so, this type of policy is so affordable that just about anyone should be able to purchase one.

In most cases,, It’s more lucrative to purchase this than raising funds on Gofundme.

AD&D Policy

I’ve had my AD&D policy for numerous years now.

In addition, some of these policies will cover your spouse and/or children too.


Please make sure your policy is completely filled out . You must include a beneficiary in order for someone to receive the death benefit should you expire in an unfortunate accident.

You really can’t beat the AD&D policy.

If you would like more information or a free quote on the possibility of purchasing one from us, please complete the form below and someone will contact you within 24 hours

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