Accidental Death & Dismemberment insurance provides benefits for accidental injuries. Affordable supplemental protection for peace of mind.
โ Accidental coverage
โ Lump sum benefit
โ Low cost
โ Quick approval
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All AD&D Providers (5)
๐ Transamerica
โ 4.6000000000000005/5.0
$28 - $140
Coverage Types:
Deductible: N/A
Key Features:
- โ Accidental coverage
- โ Dismemberment benefit
- โ Coma benefit
PROS
- โข AM Best 'A' (Excellent) financial strength rating, backed by parent company Aegon, one of the largest international insurance groups
- โข Broad life insurance product shelf including term, whole life, indexed universal life (IUL), and final expense โ with IUL being a flagship product line
CONS
- โข Does not offer auto, home, renters, or most P&C insurance products โ life and supplemental health/retirement only, so not a true 'one-stop' carrier
- โข Has historically appeared on NAIC complaint reports with a complaint index above the median for individual life insurance in some years (verify current year before quoting)
๐ MetLife
โ 4.5/5.0
$26 - $130
Coverage Types:
Deductible: N/A
Key Features:
- โ Accidental coverage
- โ Dismemberment benefit
- โ Coma benefit
PROS
- โข Long operating history dating to 1868, with AM Best A+ (Superior) financial strength rating on its core life insurance subsidiaries
- โข Strong footprint in employer-sponsored / group benefits โ widely offered as a workplace voluntary benefit (group life, dental, vision, disability, accident, hospital indemnity) through Fortune 500 employers
CONS
- โข MetLife exited the U.S. personal auto and home insurance market in April 2021 when it sold MetLife Auto & Home to Farmers Group โ consumers seeking those lines under the MetLife brand will be redirected to Farmers
- โข Most MetLife supplemental and group products are sold through employers; individuals without access via a workplace plan may have limited or no direct-purchase options for several product lines
๐ Liberty
โ 4.4/5.0
$24 - $120
Coverage Types:
Deductible: N/A
Key Features:
- โ Accidental coverage
- โ Dismemberment benefit
- โ Coma benefit
PROS
- โข AM Best Financial Strength Rating of A (Excellent), reflecting strong claims-paying ability backed by a Fortune 100-scale balance sheet
- โข Wide menu of add-on endorsements including New Car Replacement, Better Car Replacement, Accident Forgiveness, and Original Parts Replacement that competitors often charge extra for or don't offer
CONS
- โข J.D. Power U.S. Auto Insurance Studies have generally placed Liberty Mutual at or below the segment average across most regions in recent years
- โข NAIC complaint index has historically run above 1.0 (the national median) for private passenger auto in several reporting years, indicating a higher-than-average complaint volume relative to market share
๐ Zurich
โ 4.3/5.0
$22 - $110
Coverage Types:
Deductible: N/A
Key Features:
- โ Accidental coverage
- โ Dismemberment benefit
- โ Coma benefit
PROS
- โข Affordable
- โข Lump sum benefit
CONS
- โข Limited benefit
- โข Age restrictions
๐ Mutual Omaha
โ 4.2/5.0
$20 - $100
Coverage Types:
Deductible: N/A
Key Features:
- โ Accidental coverage
- โ Dismemberment benefit
- โ Coma benefit
PROS
- โข Affordable
- โข Lump sum benefit
CONS
- โข Limited benefit
- โข Age restrictions
How to Choose
- โข Compare quotes from multiple providers
- โข Review coverage types and deductibles
- โข Check customer ratings and reviews
- โข Look for available discounts
- โข Verify policy terms and conditions
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