Accidental Death Insurance

This benefit is an insurance benefits paid to your beneficiary due to an accidental death. Dismemberment benefits are paid due to loss of eyesight, loss of hearing, loss of speech, or any loss of two limbs caused by an accident. Many of our everyday activities come with built-in risks and unfortunately, accidents happen more often than we would like to think. Accidents are the third leading cause of death in the US. Having an extra layer of protection can be a comfort to your loved ones. While you cannot predict when accidents happen, you can certainly be prepared for them when they do occur. Get Covered Today, Get A Quote! 
accidental death insurance
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What is Accidental Death Insurance?

Many of our everyday activities come with built-in risks. Each time you drive to work or board a plane, you do so expecting to arrive safely at your destination. Unfortunately, accidents happen more often than we’d like to think. Accidents are the third leading cause of death in the US, so having an extra layer of protection may be a comfort to loved ones. If you died unexpectedly in an accident, your loved ones would be emotionally devastated and financially burdened. That’s why Benefits For Everyone offers Accidental Death and Dismemberment (AD&D) Insurance, which provides security to your family if you are killed; or lose a limb, suffer blindness, or are paralyzed in a covered accident. While you can’t predict accidents, you can certainly plan for them.

Plan options

Plan 1

Accidental Death & Dismemberment

Benefit DescriptionLevel 1Level 2Level 3
Principal Sum

$100,000

$200,000

$300,000

Primary

$100,000

$200,000

$300,000

Spouse

$50,000

$100,000

$150,000

Child(ren)

$25,000

$50,000

$75,000

Schedule of Benefits

Loss of Life100%
Loss of Both Hands
Loss of Both Feet
Loss of the Entire Sight of Both Eyes
Loss of One Hand and One Foot
Loss of Speech and Hearing
Loss of One Hand or One Foot and
Entire Sight of One Eye
Loss of One Hand or One Foot
Loss of Entire Sight of One Eye
Loss of Speech or Hearing
Loss of Hearing in One Ear
STAND-ALONE AD&DLevel 1Level 2Level 3
Member

$5.32

$9.65

$13.97

Member + Spouse

$10.64

$19.31

$27.95

Member + Child(ren)

$8.92

$15.85

$22.77

Member + Family

$12.81

$23.63

$34.43

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Plan 2

Accident Medical Expense
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Accidental Death & Dismemberment

Benefit DescriptionLevel 1Level 2Level 3
Accident Medical Expense Benefit (AME)
Maximum Amount per Covered Accident

$5,000

$7,500

$10,000

Deductible per Covered Accident

$250

$250

$250

Initial Treatment Period

60 Days

60 Days

60 Days

Benefit Period

12 Months

12 Months

12 Months

Covered Charges

Hospital room and board, and general nursing care, up to the semi-private room rate

up to $5,000

up to $7,500

up to $10,000

Hospital miscellaneous expense during Hospital Confinement or… for outpatient surgery under general anesthetic, such as the cost of the operating room, laboratory tests, x-ray examinations, anesthesia, drugs (excluding take-home drugs) or medicines, therapeutic services and supplies

up to $5,000

up to $7,500

up to $10,000

Doctor’s fees for surgery

up to $5,000

up to $7,500

up to $10,000

Anesthesia services

up to $5,000

up to $7,500

up to $10,000

Doctor’s visits, inpatient and outpatient, each visit

$75 

Hospital Emergency care

$500 

X-ray and other diagnostic tests

$250 

Ambulance expense

$250 

Durable Medical Equipment

$100  

Prescription Drugs

$500 

Dental treatment for Injury to Sound Natural Teeth

$250 per tooth up to a maximum of $500

Physical Therapy

$60 for first visit; $30 for each visit thereafter

Registered Nurse expense

up to $5,000

up to $7,500

up to $10,000

Benefit DescriptionLevel 1Level 2Level 3
Accidental Death & Dismemberment Benefit (AD&D)
Principal Sum – Member, Spouse, Child(ren)

$5,000

$7,500

$10,000

Loss of Life

100%

Loss of Both Hands

Loss of Both Feet

Loss of the Entire Sight of Both Eyes

Loss of One Hand and One Foot
Loss of Speech and Hearing
Loss of One Hand or One Foot and
Entire Sight of One Eye
Loss of One Hand or One Foot50%
Loss of Entire Sight of One Eye
Loss of Speech or Hearing
Loss of Hearing in One Ear25%
AME with AD&DLevel 1Level 2Level 3
Member

$7.85

$10.39 

$12.13 

Member + Spouse

$12.96

$17.01 

$19.81 

Member + Child(ren)

$15.71

$20.77 

$24.27 

Member + Family

$19.15 

$25.47 

$29.83 

NView and Download PDF
N

Is Accidental Death Insurance the right choice for me?

N

Yes, if you want the peace of mind that your loved ones would be protected in the event of a tragic accident

N

Yes, if you want to help protect your family without taking a medical exam

N

Yes, if you want additional or increased coverage, on top of traditional life insurance

N

Yes, if you're on a tight budget

N

Yes, if you need coverage quickly

N

Yes, if you are in a high risk occupation (Firefighter, Police Officer, etc.)

N

Yes, if health conditions prevent you from being covered by traditional insurance

N

Accidental Death Insurance is Fast & Flexible

N

No medical exams

N

No waiting period

N

Guaranteed approval

N

Benefits paid in one lump sum

N

Living Benefits

N

Affordable premiums

N

Spouse & children coverage available

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