That’s one of the reasons why AD&D is not a substitute for a regular life insurance policy like term life or universal life insurance. Exclusions to AD&D coverage will be spelled out in your policy.

Accidental death and dismemberment (AD&D) insurance is usually added as a rider to a life insurance policy. AD&D insurance pays benefits in the case of a person’s accidental death or ...

Accidental death and dismemberment (AD&D) insurance explained. AD&D insurance is a type of supplemental life insurance policy that offers coverage in the event of a death due to an accident. Most ...

We’ re so proud that Pacific Protector Plus VUL was chosen to be a part of the State Farm portfolio. State Farm is committed to meeting customers’ needs with products and services to help customers ...

Life Insurance Is More Than Just a Contract Let’s face it—life insurance isn’t the hottest dinner party topic. But it is ...

Advertising disclosure: When you use our links to explore or buy products we may earn a fee, but that in no way affects our editorial independence. Life insurance can be a great way to provide for ...

Life and Accidental Death & Dismemberment (AD&D) benefits are administers by The Standard. These benefits are provided to offer employees additional financial protection for themselves and their loved ...

Ladder Life. is underwritten by Allianz Life, a leading provider of life insurance and annuities. Allianz has an A+ A.M. Best rating. Ladder Life’s Trustpilot rating is 4.8 out of 5 stars.

AD&D is designed to supplement regular life insurance, as coverage is limited to certain types of accidents. No benefit is payable if the death is due to natural causes or other excludable events.