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?

Most insurance professionals would argue quite strongly that it does. Perhaps the most common use of AD&D is as a rider to various life insurance policies.

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