Basic AD&D

Accidents are the leading cause of death for people in all age groups up to age 45, and accidents are the 3rd leading cause of death up up age 65.*

Each day, over 300 people in the U.S. will die in accidents and over 66,000 people will suffer disabling injuries.*

Unfortunately, many families may be financially unprepared for this unexpected loss. A serious accidental injury or death of a wage earner can be devastating, even in two income families. Mortgage payments, rent, child day care expenses and day-to-day living costs may all be jeopardized if the money is not there to help provide financial security.

The Group AD&D insurance plans underwritten by AC Newman/Gerber Life can pay valuable benefits if an enrolled employee or dependent dies or is injured as the result of a covered accident.

Group Accidental Death and Dismemberment (AD&D) insurance typically costs a fraction of group life insurance, providing a significantly more affordable insurance solution.

Any employer who wishes to provide enhanced, broader and more visible coverage, at a reduced cost, than benefits afforded by group life insurance should consider Basic AD&D coverage.

24/7 Business and Pleasure coverage is customized in a carve out plan to supplement the group life plan. Some of the many benefits that can be provided include:

  • Paralysis
  • Coma
  • Loss of use
  • Rehabilitation Expenses
  • Permanent Disfigurement
  • Surgical Reattachment
  • Terrorism
  • Day Care
  • College Education
  • Funeral Expense

Flexible Principle Sum amounts up to $5,000,000**

War Risk Coverage is available in the event employee travel includes foreign countries.

A global emergency services program from Assist America, provides immediate access to doctors, hospitals and other services when a member is faced with a medical emergency which is more than 100 miles from their home.

Download (Microsoft Word Doc.) Request For Proposal-Basic AD&D

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* National Safety Council. 2007 Injury Facts
** Greater limits can be provided where necessary.