Accidental Death & Dismemberment (AD&D)

Accidents are a leading cause of death for Americans under 44 years of age according to the CDC *

Employer sponsored Group AD&D programs are often automatically packaged with the Group Life Program.  This applies to both employer paid Basic AD&D as well as Employee Paid Voluntary AD&D.   Let us show you another way to separate yourselves from your competition

*Center for Disease Control & Prevention.

  • “Carve-out” or “Basic AD&D replicates the AD&D portion of a Group Life account but is placed separately from the Group Life Policy.  Premium is paid by the employer.
  • Voluntary AD&D allows employees the opportunity to purchase AD&D protection for themselves and their families at competitive group rates via payroll deduction.
  • High Limit Availability
  • Availability of Specialty Coverages Not Usually Included By Traditional Group Life Carrier
  • Congruency Between all AD&D Lines including BTA may be achieved
  • Multi-line Discounting
  • Flexible Premium Payment Options
  • Flat/not graded commissions
  • Protection of the Group Life Plan from the “double” claim caused by an accidental death
  • Industry Specific Enhancements not commonly found in group life plans

*Requesting a quote is easy.  All we need:

  • Copy of the policy
  • Most recent bill with volume/rate
  • Claims experience

*Certain specialty coverages such as piloting and war risk requires additional details

Contact a Reuben Warner Account Specialist today or click here to submit your information so we may contact you.