What is Accidental Death & Dismemberment Insurance (AD&D)?


loving couple in home kitchen discussing the futureConsidering it has one of the least pleasant names, accidental death and dismemberment (AD&D) insurance can do a lot of good.

AD&D insurance is similar to life insurance in that it pays a benefit to your beneficiary(ies) if your death is the result of a covered accident. But unlike life insurance, an AD&D insurance policy can also pay a benefit to you if you experience a serious injury resulting in the loss of a limb, a hand, foot, sight in one eye, speech, or hearing, among others.

According to the CDC, accidents are the third-leading cause of death for all Americans1. Depending on how you make your living, a loss of a limb, speech or hearing could make it difficult or even impossible to continue working as you did before an accident.

AD&D insurance can help you and your family meet that financial challenge.

How to get AD&D Insurance

While you can buy an AD&D insurance policy on your own, your age, lifestyle, and line of work could result in higher premiums. Generally, a more affordable option to secure coverage is to purchase it through your employer, union, or professional association, many of which may offer AD&D insurance as an optional benefit. By purchasing an AD&D policy, you’ll be able to take advantage of discounted group rates and could save your family more money.

Bottom Line

As a valuable benefit of your membership, the Texas Bar Private Insurance Exchange offers affordable AD&D insurance. As a member you also qualify to receive $10,000 of basic AD&D insurance at no cost to you2.

If you are interested in learning more about this product, please feel free to contact us with any questions you may have. Our team of Benefits Counselors is standing by to help guide you to a plan that best suits your unique needs.

A life-changing accident can happen at any time. AD&D insurance may help you provide for your loved ones — or for yourself — if something terrible happens to you.

1 “10 Leading Causes of Death by Age Group, United States – 2017.” National Vital Statistics System, National Center for Health Statistics, CDC.
2 Basic AD&D coverage is provided by the State Bar of Texas Private Insurance Trust on a complimentary basis and may be discontinued at any time at the discretion of the Trust.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Contract Series: 83500.