Employees love accidental death and dismemberment coverage because it addresses a real need, is inexpensive and promises to take care of them (and their family) in case of accidental death. Whether packaged as a standalone group product or as a rider to a voluntary universal or term life policy, this coverage type will likely retain its popularity.

Accidental death and dismemberment coverage seems as ubiquitous as sand in the desert. Consumers see it everywhere, often without knowing exactly what it is. Banks offer it in statements, it has been given away at benefit enrollments, and rumor has it that is handed out at state fairs along with funnel cakes. This cheap orgy of AD&D begs the question: Does accidental death and dismemberment add any value to a client’s financial health and insurance needs?

Complete your profile to continue reading and get FREE access to BenefitsPRO.com, part of your ALM digital membership.

Your access to unlimited BenefitsPRO.com content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical BenefitsPRO.com information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and BenefitsPRO.com events.
  • Access to other award-winning ALM websites including ThinkAdvisor.com and Law.com

Already have an account?

Dig Deeper



Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join BenefitsPRO.com now!

  • Unlimited access to BenefitsPRO.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including ThinkAdvisor.com and Law.com
  • Exclusive discounts on BenefitsPRO.com and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.