Accidental Death & Dismemberment (AD&D) insurance provides added financial support if a covered accident occurs. It’s a simple, affordable way to help protect the people who matter most — and we’re here to help you choose what feels right

A simple way to add an extra layer of protection

Life is full of everyday risk— driving to work, traveling, adventuring with family. AD&D coverage provides a financial benefit if a covered accident occurs, helping support you or your loved ones when it matters most.

$1,000 in complimentary coverage

Activate $1,000 of AD&D protection at no cost or obligation. It’s available to you simply for being an Allegacy member.

No medical exams required

There are no health questions, blood tests, or medical exams needed to receive or maintain this coverage.

Additional coverage at group rates

You may apply for up to $300,000 in additional AD&D coverage for yourself and eligible family members at group rates.

24/7 protection wherever you are

Coverage applies around the clock — at home, on the road, or while traveling — providing added peace of mind in your daily life. 

How to activate your AD&D coverage

Enrolling takes just a few minutes. You’ll complete a form to activate your complimentary coverage and explore additional protection if you choose. 

01
Complete the online form

Provide basic information through the online form to activate your $1,000 complimentary coverage.

02
Review additional protection options

If you’d like more coverage, choose from four available levels — up to $300,000 at group rates.

03
Add family coverage (optional)

Spouses and unmarried dependent children may be insured under a family plan, based on the coverage selected.

04
Receive your coverage confirmation

You’ll receive your Certificate of Insurance by mail, outlining your benefits and effective date.

Your questions, answered

Accidental Death & Dismemberment (AD&D) insurance is a type of coverage that pays a benefit if you’re seriously injured or killed in a covered accident. If an accidental death occurs, the policy pays a lump sum to your designated beneficiary. If you experience a qualifying injury—such as the loss of a limb, sight, hearing, or paralysis—the policy may pay a partial benefit directly to you, depending on the terms. AD&D coverage applies only to accidents, not illnesses or natural causes of death, and is often offered as a supplement to traditional life insurance. 

No. You do not need a medical exam to enroll in Accidental Death & Dismemberment (AD&D) insurance. There are no medical exams, blood tests, or health questions required to apply for or keep this coverage. This makes AD&D insurance a simple option if you want added protection without going through a traditional underwriting process. 

You may apply for up to $300,000 in additional AD&D insurance coverage at group rates. Four coverage levels are available, allowing you to select the amount that best fits your financial goals and family needs. If you’re unsure which level makes sense for you, we’re here to help you think through your options with confidence. 

Yes. AD&D insurance can cover your spouse and unmarried dependent children under a family plan. Coverage percentages for family members vary depending on the coverage level you select. This allows you to extend financial protection to the people who depend on you most. If you’d like help understanding how family coverage works, our team is always ready to walk you through it.