What is AD&D Insurance?

It may not be the most pleasant insurance product to talk about, but Accidental Death & Dismemberment insurance (AD&D) can do a lot of good for a lot of people at a time when they may need it most.

While AD&D insurance may be similar to life insurance, the benefits of having an AD&D insurance policy include either you or your beneficiaries receiving a payout if you experience a qualified injury. Accidents are among the leading causes of death in the United States according to the CDC. Not all accidents result in death, but recovering can still be a long and expensive process. When an accident involves loss of limbs, sight, or hearing — or if the effects limit your ability to return to work — AD&D insurance can help.

Obtaining AD&D Insurance

If you decide to purchase an individual AD&D policy, factors such as your age, lifestyle, and occupation will typically have an impact on the rates provided to you. However, purchasing an AD&D policy as part of a group plan (such as through your employer or a member association) could result in lower premiums.

Planning Ahead

An accident can happen to anyone, at any time – and leave your finances in disarray. An AD&D policy can help protect that, and provide you and your family with peace of mind.

Did you know that as a valued member of The Florida Bar, you can enroll in up to $10,000 of basic AD&D insurance at no cost to you?

If you’re interested in learning more about this product or want to see what else we can do for you, please visit our services page.