What is AD&D Insurance?


happy family smiling for cameraIt may not be the most pleasant insurance product to talk about, but Accidental Death & Dismemberment insurance (AD&D) can do a lot of good for a lot of people at a time when they may need it most.

While AD&D insurance may be similar to life insurance, the benefits of having an AD&D insurance policy include either you or your beneficiaries receiving a payout if you experience a qualified injury. Accidents are among the leading causes of death in the United States according to the CDC. Not all accidents result in death, but recovering can still be a long and expensive process. When an accident involves loss of limbs, sight, or hearing — or if the effects limit your ability to return to work — AD&D insurance can help.

Obtaining AD&D Insurance

If you decide to purchase an individual AD&D policy, factors such as your age, lifestyle, and occupation will typically have an impact on the rates provided to you. However, purchasing an AD&D policy as part of a group plan (such as through your employer or a member association) could result in lower premiums.

Planning Ahead

An accident can happen to anyone, at any time – and leave your finances in disarray. An AD&D policy can help protect that, and provide you and your family with peace of mind.

Did you know that as a valued member of the State Bar of Georgia, you can enroll in up to $10,000 of basic AD&D insurance at no cost to you?

If you’re interested in learning more about this product or want to see what else we can do for you, please visit https://gabar.memberbenefits.com/accidental-death/.