What You Need to Know About AD&D Insurance

No one likes to think about accidents and the possible effects one could have on you and your family.

However, to entirely ignore such topics is not a wise financial move. It’s your responsibility to make sure there are provisions in place for such events. AD&D insurance (sometimes also referred to as Personal Accident Insurance) is often overlooked for these reasons.

However, to entirely ignore such topics is not a wise financial move. It’s your responsibility to make sure there are provisions in place for such events. AD&D insurance (sometimes also referred to as Personal Accident Insurance) is often overlooked for these reasons.

Many people do not know much about AD&D insurance because it is often written as a rider attached to a larger policy such as a life insurance policy. AD&D insurance provides coverage for deaths caused by accidental means, rather than by natural causes or sickness. This is the “AD” part of the term — accidental death. Dismemberment is the other aspect of these policies. Dismemberment entails the loss of the use of certain body parts such as limbs or eyesight, which could greatly affect your ability to earn an income for your family.

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