Table of Contents
- About This Insurances
- Simple Assessment Form
- Benefits
- Conditions
- Coverage
- Premium Rate
- Real-Case Examples
- F A Q
About This Insurances
Life & Accidental Death / Dismemberment / Loss of Use (AD&D) insurance offers simple and affordable coverage with no medical exam required, ensuring your family’s financial peace of mind during difficult times. This insurance pays a benefit to the insured or their surviving family ( or beneficiaries) in the event of death, dismemberment or loss of use, caused by an accident. This insurance provides a lump-sum, tax-free payment in the event of accidental death or dismemberment (loss of limbs or physical abilities) due to a sudden, external accident such as a car crash, fall, fire, or drowning (but not illness). For those seeking additional and cost-effective coverage, this insurance is an excellent option as a supplement to life insurance.
Loss of use benefits include Paraplegia, Hemiplegia & Quadriplegia.
Simple Assessment Form
To choose the best and most suitable insurance and to receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
Benefits
- Worldwide Protection: Coverage applies anywhere in the world, on or off the job.
- No Medical Exam Required: No health questions, lab work, or APS needed.
- Instant Coverage: Fast approval and immediate protection with no waiting period.
Conditions
- Available for purchase as a stand-alone policy (up to age 69) or as a supplementary coverage in life and critical illness insurance.
Coverage
- It pays a tax-free* lump sum of up to $300,000 in the event of an accidental death or other specific loss.
- Additional benefits offer coverage for items such as spousal re-training, daycare, education, or home alteration/vehicle modification (applicable only to the Principal Insured).
Premium Rate
The premium varies for each individual and depends on age and coverage amount.
Real-Case Examples
When David passed away unexpectedly in an accident, his AD&D policy paid his family $100,000 within a few days—covering funeral costs, remaining debts, and helping them through the loss.
FAQ
What is the difference between life insurance and accidental death insurance?
Life insurance covers the death of the insured for any reason, including illness, accident, or old age, and the specified insurance benefit is paid to the beneficiaries. In contrast, accidental death insurance only pays a benefit if death or disability results directly from a sudden and unforeseeable accident. Therefore, life insurance provides more comprehensive coverage, while accident insurance, at a lower cost, covers only specific risks.
