Accidental Death & Dismemberment
Accidental Death and Dismemberment Insurance:
- Insured Principal Sum: amounts between $10,000
and $250,000 - Insured Principal sum amounts may not exceed 10x
the insured’s annual salary - Supplement Existing Employer-Offered Life Insurance
for Added Protection
Features of our AD&D policy:
Plan Options:
- Insured Only Coverage
- Insured and Family Coverage
- Stand Alone
Family Coverages:
- Spouse Principal Sum:
- 50% of Insured’s Principal Sum if at the time of claim there is no Dependent Child
- 40% of Insured’s Principal Sum if there is at least one Dependent Child
- Child(ren) Principal Sum:
- 10% of Insured’s Principal Sum if at the time of claim there is a Spouse
- 15% of Insured’s Principal Sum if at the time of claim there is no Spouse
Additional AD&D Features and Benefits
| Airbag Benefit | lesser of 10% of the Insured’s Principal Sum to a Maximum Benefit of $10,000 |
| Bereavement And Trauma Counseling Benefit | $100 per session |
| Maximum Number of Sessions Maximum Benefit | 5 sessions |
| Per Covered Accident | $500 |
| Child Care Center Benefit | lesser of actual cost; 3% of the Insured’s Principal Sum; or $2,000 incurred within 4 years of date of death |
| Maximum Benefit Period | to Age 13 for each surviving Dependent Child |
| Common Accident Benefit | |
| Covered Spouse Benefit | 100% of the Insured’s Principal Sum up to a Maximum Benefit of $500,000 |
| Maximum Benefit Period | 90 days from the date of a Covered Accident |
| Disappearance Benefit | 100% of the Insured’s Principal Sum if a body has not been found within 1 year |
| Emergency Medical Evacuation Benefit | |
| Maximum Benefit Per Covered Accident | lesser of actual or $10,000 |
| Exposure Benefit | 100% of the Insured’s Principal Sum |
| Extended Dependents Insurance Benefit | dependent’s coverage continued for 12 months after death of the Insured employee |
| Higher Education Benefit | |
| Surviving Dependent Child Benefit | lesser of 2% of the Insured’s Principal Sum subject to a Maximum Benefit of $2,500 per year |
| Maximum Benefit Period | 4 years per dependent child under age 25 max $10,000 per child |
| Default Benefit | $2,000 |
| Home Alteration And Vehicle Modification Benefit | lesser of: actual cost of alterations; 2% of the Insured’s Principal Sum; or $2,500 |
| Line of Duty Benefit | lesser of $50,000 or 100% of the Insured’s Principal Sum |
| Rehabilitation Benefit | lesser of: actual cost of rehabilitation; 10% of the Insured’s Principal Sum; or $10,000 |
| Repatriation of Remains Benefit | |
| Maximum Benefit | lesser of actual or $5,000 |
| Seat Belt Benefit | lesser of 10% of the Insured’s Principal sum or $50,000 |
| Spouse Training Benefit | lesser of actual cost or $5,000 |
| Default Benefit | $2,000 |
| Total and Permanent Disability Benefit | lesser of 50% of the Insured’s Principal Sum or $50,000 |
| Waiver of Premium Benefit | premium waived if Insured is disabled prior to age 60 after 9 months |
Policy Form: ALGADDP-10*
*Features & form numbers may vary by state.
