If you already have a life insurance policy, you may find that you have the option to add AD. This coverage pays benefits in addition to any life insurance you have, making it a cost-effective way to boost your benefits in the event of a covered accident.

AD insurance covers you 24 hours a day, every day of the year, worldwide. Benefits are paid if your death results from a covered accidental injury within one year of the injury. AD insurance is simple to purchase because there are no health questions to answer, and your acceptance is guaranteed.

While the payment of AD benefits is limited to loss of life from accidents, AD insurance is a very affordable “just in case” add-on. Premiums are less than $6 per month for $100,000 of coverage.

Young, active people may want to consider AD insurance for several reasons:

• Those under the age of 44 are more likely to die from unintentional injuries than any other cause, according to the CDC.²
• AD is ideal for those who are active, particularly those who travel frequently or are engaged in sports, or other risky activities.
• The younger you are, chances are greater that your dependents would be left with more years without your income.

Because acceptance is guaranteed, AD insurance may also be a good option for family members who may have been declined for life insurance due to health reasons.

Consider adding this simple, affordable layer of protection.

^1,2Centers for Disease Control, 2019.