Accidental Death and Dismemberment Insurance

Our Accidental Death and Dismemberment Insurance Program

  • Accidents by definition are unavoidable and unexpected, and these terrible incidents can have lasting consequences far beyond an immediate loss of limb, disablement or even death. While a terrible thing to consider happening, having a safeguard in place to mitigate the financial and emotional burdens that inevitably come along with an accident can make all the difference and provide peace of mind for yourself and loved ones. IDU's Accidental Death product supplies protection at far higher limits and much greater flexibility than those found in the domestic market.

  • Domestic Shortfalls

    • Benefit Limits
    • Foreign Locations
    • High Risk Avocations
  • Target Markets

    • Foreign Travel Needs
    • Significant Domestic Travel Requirements
    • High Risk Avocations
    • White Collar Professionals
    • Spouses & Family Members
    • Terrorism Risks
    • Blue & Gray Collar Occupations
  • Key Features

    • Policy Terms up to 3 Years
    • 24/7 Worldwide Protection
    • Accidental Death Coverage, Ability to include
      • Dismemberment
      • Permanent Total Disability (PTD)
      • Temporary Total Disability (TTD)
    • Benefits Factored up to 10x Income
      • Elimination Periods: 30 to 365 days
      • Benefit Periods: 12 to 36 months
    • TTD paid as weekly benefit
    • Coverage includes protection from Disappearance
    • Written for either Individuals or Groups
    • Dismemberment paid on benefit scale depending on loss of limb or sight
    • Streamlined, simple application process enabling coverage to be placed within 48hrs
  • Definition Details

    • Accident: sudden, unexpected, unusual, specific event which occurs at an identifiable time and place during the period of insurance, including mishap during travel or disappearance if not found within 12 months.

    • Bodily Injury: identifiable physical injury which is caused by an Accident independently of any other cause, except sickness or medical/surgical treatment rendered necessary by such injury, resulting in the death or disablement of the Insured Person.

    • Temporary Total Disability: disablement which entirely prevents the Insured Person from attending to their business or occupation.

    • Permanent Total Disability: disablement which entirely prevents the Insured Person from attending to any business or occupation for which they are reasonably suited by training, education or experience and which lasts 12 months after which there is no hope of improvement.

    • Loss of Limb: permanent loss by physical separation of a hand or foot at or above the wrist/ankle and includes permanent total and irrecoverable loss of use of hand, arm or leg.

Product Highlights

  • Lump Sum Benefits

  • Elimination Period with proof of death or dismemberment

  • Benefits starting $1,000

  • Individual or business owned

For more info about our AD&D program, download our brochure

Download Brochure