Accident

Accidental Death & Severe Injury

Accidents can happen at any time, and having additional coverage in place can make a huge difference for your loved ones.

Death Benefit

$10,000 – $300,000

Dismemberment

25% – 100%

Paralysis

25% – 100%

Underwritten By

Arch Insurance

About This Program

Accidental Death & Severe Injury coverage — commonly known as Accidental Death and Dismemberment, or AD&D — offers coverage amounts from $10,000 up to $300,000, and is guaranteed issue, so there's no medical exam or health questions required.

Severe injury coverage provides protection for loss of limbs, as well as loss of sight, speech or hearing, and paralysis. Even if you already have life insurance, this affordable plan may add an extra layer of coverage for accidental deaths.

This is accident coverage. Benefits are payable for covered losses resulting from a covered accident. It is designed to add to the life insurance you may already have, not to replace it. The policy contains reductions, limitations, and termination provisions.

Why It Matters

An Extra Layer for Your Family

Accidents can happen at any time, and having additional coverage in place can make a huge difference for your loved ones. Even if you already have life insurance, this affordable plan may add an extra layer of coverage for accidental deaths.

No Medical Exam, No Health Questions

Coverage is guaranteed issue, so there's no medical exam or health questions required. If you've been putting off coverage because of the process, this removes that step entirely.

Severe Injury, Not Just Death

Severe injury coverage provides protection for loss of limbs, as well as loss of sight, speech or hearing, and paralysis. A serious accident you survive can change your finances as much as one you don't.

You Choose the Amount

Benefit amounts start at $10,000 and go up to $300,000, so you can size the coverage to your family's situation rather than taking a single fixed plan.

Covered Losses

Coverage can apply to a range of losses resulting from a covered accident, including:

Accidental loss of life

Loss of sight of an eye

Loss of hand or loss of foot

Loss of thumb and index finger

Loss of speech or loss of hearing

Paralysis — quadriplegia, hemiplegia, paraplegia, or uniplegia

Benefit Schedule

Accidental Death

$10,000
$25,000
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000

$50,000 – $300,000 available in $50,000 increments.

Severe Injury

Paid as a percentage of the accidental death benefit amount. Loss must occur within 365 days of the accident.

Loss Due to an Accident	% of Death Benefit
Loss of Speech and Loss of Hearing	100%
Loss of Speech and loss of one of: Hand, Foot or Sight of an Eye	100%
Loss of Hearing and loss of one of: Hand, Foot or Sight of an Eye	100%
Loss of both Hands, both Feet, sight of both Eyes, or any two of: Hand, Foot, Sight of an Eye	100%
Quadriplegia	100%
Loss of one Hand, one Foot, or sight of an Eye	50%
Loss of Speech or Loss of Hearing	50%
Hemiplegia	50%
Paraplegia	50%
Loss of Thumb and Index Finger	25%
Uniplegia	25%

Only one benefit is paid per accident. If a covered person suffers multiple covered losses in the same accident, only the single largest applicable benefit amount is paid. Benefit amounts are also reduced for a covered person age 65 or older on the date of the accident.

Why You Need This

Real situations where this coverage does the work

Your Life Insurance Isn't Enough on Its Own

You have a policy through work or on your own, but it was sized years ago and your family's costs have grown since. This plan may add an extra layer of coverage for accidental deaths, on top of what you already carry.

Benefit: Accidental Death — $10,000 to $300,000

A Serious Accident You Survive

An accident that costs you a hand or a foot changes how you earn for the rest of your life. Loss of one hand, one foot, or sight of one eye pays 50% of your accidental death benefit amount; the loss of any two pays 100%.

Benefit: Severe Injury — 50% or 100% of the death benefit

An Injury That Affects Mobility

Paralysis is a covered loss. Quadriplegia pays 100% of your accidental death benefit amount, hemiplegia and paraplegia pay 50%, and uniplegia pays 25%. The loss must last longer than 365 days as determined by a physician approved by the insurer.

Benefit: Paralysis — 25%, 50%, or 100% of the death benefit

You've Been Putting Off Getting Covered

Medical exams and health questionnaires are the reason a lot of people never finish an application. This coverage is guaranteed issue, so there's no medical exam or health questions required.

Underwriting: Guaranteed issue

Plan Highlights

Accidental Death Benefit

$10,000 · $25,000 · $50,000 – $300,000

Severe Injury Benefit

25% · 50% · 100% of death benefit

Underwriting

Guaranteed issue

Underwritten By

Arch Insurance

What's Not Covered

This is a summary. The policy contains the full list of exclusions and limitations.

Losses sustained while on the job in certain industries, including construction trades, trucking, agriculture, and delivery or rideshare platform driving

Illness, disease, and infection, including medical or surgical treatment of them

Repetitive motion injuries, which are excluded from the definition of Accidental Bodily Injury

Extreme sports and hazardous activities, including rock climbing, whitewater rafting, motocross, skydiving, and scuba diving below 25 feet

Losses involving narcotics or controlled substances not prescribed by a Physician

Suicide, attempted suicide, or intentionally self-inflicted injury

Committing or attempting to commit a felony

Professional and NCAA collegiate sporting activity

Aircraft losses as described in the policy, military service, war, and insurrection

Frequently Asked Questions

What is Accidental Death & Severe Injury coverage?

It is accidental death and severe injury coverage, commonly known as Accidental Death and Dismemberment, or AD&D. It pays a benefit for covered losses resulting from a covered accident, including loss of life, loss of hand or foot, loss of sight of an eye, loss of thumb and index finger, loss of speech or hearing, and paralysis.

Do I need a medical exam to qualify?

No. Coverage is guaranteed issue, so there's no medical exam or health questions required.

What benefit amounts are available?

Accidental death benefit amounts of $10,000 and $25,000 are available, along with $50,000 to $300,000 in $50,000 increments.

How are severe injury benefits calculated?

They are paid as a percentage of your accidental death benefit amount, set by the policy schedule. Quadriplegia and the more severe combined losses pay 100%. Loss of one hand, one foot, sight of one eye, speech, or hearing, along with hemiplegia and paraplegia, pay 50%. Loss of thumb and index finger and uniplegia pay 25%. Only the single largest applicable benefit is paid per accident.

What if I have more than one covered loss in the same accident?

Only the single largest applicable benefit amount is paid. Benefits for multiple covered losses from one accident do not add together.

Are there time limits on when a loss has to occur?

Yes. Loss of life must occur within 365 days of the accident. Severe injury losses also carry a 365-day time period, and the paralysis definitions require that the loss of motion and practical use last longer than 365 days as determined by a physician approved by the insurer.

Is there an age limit?

Coverage ends when the policyholder reaches age 65. For a covered person age 65 or older on the date of an accident, benefit amounts are reduced on a schedule: 65% at ages 65–69, 45% at 70–74, 30% at 75–79, and 15% at 80 and over. All covered persons must be U.S. residents and maintain a primary residence in the United States.

Does it cover losses that happen while I'm working?

Not in every occupation. The policy excludes losses sustained while on the job in certain industries, including construction trades, trucking, agriculture, and delivery or rideshare platform driving. This applies whether you are an employee, an independent contractor, or self-employed. Check the full exclusions in the policy before you buy.

Can I have this if I already have life insurance?

Yes. Even if you already have life insurance, this affordable plan may add an extra layer of coverage for accidental deaths.

Who underwrites this coverage?

Coverage is underwritten by Arch Insurance Company, NAIC #11150, a member company of Arch Insurance Group Inc. Not all coverages are available in all jurisdictions.

Add an extra layer of protection for your loved ones.

Notice: Insurance coverage described is underwritten by Arch Insurance Company, NAIC #11150, a member company of Arch Insurance Group Inc. The policy contains reductions, limitations, and termination provisions. Benefits for severe injury are payable as a percentage of the Loss of Life Benefit Amount as shown in the policy's Schedule of Benefits. If a covered person suffers multiple covered losses in one accident, only the single largest applicable benefit amount is paid. Loss of life must occur within 365 days of the accident. Benefit amounts are reduced for a covered person age 65 or older on the date of the accident, and coverage terminates when the policyholder reaches age 65. All covered persons must be U.S. residents maintaining a primary residence in the United States. The "What's Not Covered" summary above is not a complete list of exclusions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.