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Accidental Death and Dismemberment Insurance

Accidents happen, but some are worse than others and can have a lasting impact on a person's life, or even the lives of their family. When the unthinkable happens, it can be incalculably valuable to have some additional money to fall back upon. This is where Accidental Death and Dismemberment (AD&D) insurance comes in; providing funds that can help people cope with adjusting to life after a very serious accident.

Accidental Death and Dismemberment Insurance

About Accidental Death and Dismemberment Insurance

In the event an AD&D policy needs to be used, it provides a predetermined lump sum of money to the policyholder, which can be used as beneficiaries deem fit. Rather than being used on medical bills, the cash can be used on costs of living, equipment for the home, or virtually anything beneficiaries want to use it on.

What is defined as dismemberment?

Dismemberment is generally thought of as when a person permanently loses a body part, such as an arm or leg. However, AD&D insurance also extends to other areas beyond just the loss of a limb.

Types of AD&D insurance

Groups can secure AD&D insurance, too. Ask your Pacific Prime UK advisor about the various kinds of AD&D insurance on offer:

  • Employee basic
  • Employee optional
  • Employee & dependent optional
  • Special event
  • Business travel

What kinds of accidents are included?

AD&D insurance policies can cover:

  • Limb loss
  • Paralysis
  • Deafness
  • Muteness
  • Blindness
  • Other permanent disabilities
  • Death

What situations are excluded?

It's important to remember that AD&D insurance only covers accidental incidents. Therefore, no benefit will be provided to anyone who harms themselves intentionally.

Likewise, death from natural causes, injuries sustained while participating in war or professional sports, or death or injury occuring while under the effect of a controlled substance are excluded from coverage.

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