Policy Types

Information on Accidental Death and Dismemberment Policies

This article covers the specifics of an AD&D life insurance policy rider, such as what it is, how it works, how it can be purchased, and why you should consider buying one.

What is the AD&D Life Insurance Rider & Is it Right for You?

Life insurance policy riders are additional supplementary benefits that can sometimes be added onto a life insurance policy contract to enhance coverage. Many come standard and might be able to be included in your policy at no extra charge, while others may require an additional premium.

Having a better understanding of what specific endorsements are and how they work, will help you determine if they are worth adding. In this article, we'll take a closer look at the Accidental Death and Dismemberment life insurance rider (AD&D).

What's an AD&D life insurance rider and how does it work?

AD&D life insurance policy riders can differ from insurer to insurer, and may not be offered on all policy types. However, the basic explanation of an AD&D rider is that if you die as a result of an accident, the life insurance company will double the original death benefit of your policy. For example, if you were to have a $250,000 life insurance policy and were to die as a result of an accident, your policy would pay out $500,000.

What's important to point out is that the wording on an AD&D rider can be very specific when it comes to what qualifies as an accidental death, as well as additional parameters relating to when the death must actually occur after the accident in order for there to be a payout. For example, you may have an accidental injury claim that meets your policy's definition of a qualifying event, but if you were to die after a six month time frame established by your policy, you would not receive the additional benefit. Such exclusions and limitations will vary by insurance company.

In the event you were involved in an accident and lose a limb (leg, foot, arm, hand, fingers), or even your eyesight or hearing, the dismemberment coverage of an AD&D policy rider will pay out the additional benefit while you're still alive. Keep in mind that the dismemberment coverage can also be just as specific when it comes to meeting the policy's definition of a qualifying event, and differ between carriers. For example, some policies state that if the policyholder does not die as a result of the accident and instead loses a limb, he/she will only receive a 50% benefit payout, while losing two or more limbs would result in a full benefit payment.

Be sure to ask your insurance agent to explain all the definitions and specifics under their AD&D rider so you have all the facts.

How Can AD&D Life Insurance Be Purchased?

AD&D can sometimes be added as a supplementary coverage rider on your existing life insurance policy, or as a stand-alone insurance policy. It is also sometimes offered by credit card companies, lenders, and credit unions.

Why buy an AD&D life insurance policy rider?

Everyone has their own reasons for purchasing an AD&D rider. For some, it can be that you just never know what may happen, and having the additional coverage may be worth the peace of mind and nominal cost.

For more information on additional life insurance policy riders, visit Protective's Learning Center.

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Life Insurance Policy

There are many different types of life insurance policy riders. An Accidental Death and Dismemberment (AD&D) life insurance policy rider may provide you with the peace of mind you need in the event the unexpected happens. An AD&D life insurance policy rider can sometimes be added to an existing life insurance policy or purchased as a standalone life insurance policy. For more information, visit the Protective learning center.


All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax-related decisions. For information about Protective Life and its products and services, visit www.protective.com.

Companies and organizations linked from Learning Center articles have no affiliation with Protective Life or its subsidiaries.

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