Accidental Death and Dismemberment (AD&D) insurance policies typically provide coverage for death or certain injuries resulting from accidents, but there are certain situations and conditions that are generally excluded from coverage. Some common exclusions found in AD&D policies include:
- Death or injury resulting from suicide or self-inflicted harm.
- Death or injury resulting from drug or alcohol abuse.
- Death or injury resulting from participating in dangerous activities or extreme sports, such as skydiving, bungee jumping, or motor racing.
- Death or injury resulting from war, terrorism, or acts of war.
- Death or injury resulting from a pre-existing medical condition.
- Death or injury resulting from natural causes or illness.
- Death or injury resulting from criminal activity or involvement in a felony.
It's important to contact one of our life insurance lawyers if you have a denied AD&D claim.
AD&D insurance provides benefits to the insured or their beneficiaries in the event of an accident that results in the insured's death, dismemberment, or loss of sight, speech, or hearing. Some of the benefits of an AD&D policy include:
- Financial support for beneficiaries: If the insured dies in an accident, the policy pays out a death benefit to the beneficiaries named in the policy. This benefit can help provide financial support to the insured's loved ones during a difficult time.
- Coverage for dismemberment or loss of function: In addition to death benefits, AD&D policies can also provide benefits if the insured loses a limb, sight, speech, or hearing due to an accident.
- Affordable premiums: AD&D policies typically have lower premiums than other types of life insurance policies, making them a more affordable option for those who may not be able to afford more comprehensive coverage.
- Easy to obtain: AD&D policies are often easier to obtain than other types of insurance policies, as they typically do not require a medical exam or extensive underwriting.
- Additional coverage: Some AD&D policies offer additional benefits, such as coverage for transportation and lodging expenses for family members who need to travel to the insured's location in the event of an accident.
Our life insurance attorneys can help you get the money to which you are entitled.