Personal Accident Insurance allows you to offer significant benefits for your employees at very reasonable prices, usually starting at less than $10 per month per employee.

Accidents are the leading cause of death for persons ages 15 to 44.  Accidental Death & Dismemberment provides lump sum benefits to help your loved ones financially in the event of your loss.

Benefits of Accidental Death & Dismemberment Insurance

  • Get a lump sum benefit in the event of death or serious injury causing a loss of limb or paralysis
  • These benefits will be paid in addition to any other form of life insurance
  • Affordable supplement to an employee's required death coverage
  • Unlike life insurance, AD&D insurance also pays "living benefits"

We will pay the Percentage of Benefit Amount shown below, if a Covered Injury to an Insured results within 180 from the date of the Accident, in any one of the losses shown below. The maximum Benefit Amount is shown in the Schedule of Benefits.

For Loss of: Percentage of Principal Sum
Life 100% of the Principal Sum
Two or more Members 100% of the Principal Sum
One Member 50% of the Principal Sum
Loss of Speech 50% of the Principal Sum
Loss of Hearing (in both ears) 50% of the Principal Sum
Loss of Speech and Hearing 100% of the Principal Sum
Thumb and Index Finger of the Same Hand 25% of the Principal Sum
Quadriplegia 100% of the Principal Sum
Hemiplegia 100% of the Principal Sum
Paraplegia 100% of the Principal Sum



The amount payable for a Covered Injury will be reduced if an Insured is age 65 or older on the date of the Accident causing the loss. The amount payable for the Insured’s loss is a percentage of the amount that would otherwise be payable, as shown below:

Age on Date of Accident Percentage of Original Benefit Amount
65 –69 85%
70 – 74 65%
75 – 79 50%
80 and older 40%


For the purpose of this Benefit, the Definitions Section of the Policy is amended to include the following:

  • Quadriplegia means total Paralysis of both upper and lower limbs.
  • Hemiplegia means total Paralysis of the upper and lower limbs on one side of the body.
  • Paraplegia means total Paralysis of both lower limbs or both upper limbs.
  • Paralysis means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted.
  • Loss of One Hand or Foot means complete Severance through or above the wrist or ankle joint.
  • Member means hand or foot, sight, speech and hearing.
  • Loss of Sight means the total, permanent loss of sight of one eye.
  • Loss of Speech means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means.
  • Loss of a Thumb and Index Finger of the Same Hand or Loss of Four Fingers of the Same Hand means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand).
  • Severance means the complete separation and dismemberment of the part from the body.