When one thinks of accidental death and dismemberment insurance, a single, simple type of policy springs to mind.
While AD&D tends to be a very basic concept, it still comes in a variety of shapes, sizes and flavors. It can be a standalone policy, a rider, packaged with executive travel insurance among other forms. As part of a benefit package it can be a high-face amount, reasonably priced add-on to a term life insurance policy, part of the traditional travel package for employers with a large number of employees that travel both domestically and certainly internationally, or even a low face amount giveaway.
It remains a very popular benefit. Employees, many brokers, and insurance carriers are huge proponents of AD&D. Some, however, look at the concept and the probability of the policy or rider actually being utilized and feel substantially less enthusiastic.
Recommended For You
Complete your profile to continue reading and get FREE access to BenefitsPRO, part of your ALM digital membership.
Your access to unlimited BenefitsPRO content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking benefits news and analysis, on-site and via our newsletters and custom alerts
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the property casualty insurance and financial advisory markets on our other ALM sites, PropertyCasualty360 and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
