Accidental Death & Dismemberment Insurance (AD&D)

What Is AD&D Insurance?

Accidental Death & Dismemberment (AD&D) insurance provides financial protection if you die or suffer a serious injury in an accident. Unlike standard life insurance, it covers specific events such as accidental death, loss of limbs, loss of sight, or other permanent injuries caused by an accident.

Why It’s Important?

Accidents can happen anywhere — on the job, at home, or during recreation. For individuals in high-risk professions and lifestyles, AD&D serves as an extra layer of protection on top of life or disability insurance. It ensures that if the unexpected happens, your family has financial support to cover:

  • Funeral expenses

  • Medical costs from severe injuries

  • Loss of income due to permanent disability

  • Long-term financial security for loved ones

Suggested Coverage Limits

AD&D is typically purchased as a supplemental policy alongside life or disability coverage.

  • Many individuals choose coverage equal to 5–10 times their annual income.

  • High-risk professionals (e.g., pilots, divers, construction workers, athletes) may need higher limits due to elevated risk exposure.

(Disclaimer: Eligibility and coverage amounts may vary based on underwriting and occupation.)

Cost Summary

AD&D is generally more affordable than traditional life insurance because it only pays out in specific cases.

  • Policies can start as low as $10–$20 per month for basic coverage.

  • Rates increase depending on occupation, lifestyle, and coverage amount.

  • For high-risk professions, WAIN secures access to specialty carriers that offer protection where traditional insurers often decline.

How WAIN Helps

Coverage designed for high-risk professionals — from construction workers and pilots to athletes and divers.

  • Supplemental AD&D policies that fill gaps left by employer or union benefits.

  • Access to specialty markets that understand high-risk industries.

  • An AI-powered process that streamlines underwriting and helps clients secure policies faster.

“In high-risk careers, one accident can change everything. I founded WAIN to make sure that when the unthinkable happens, families aren’t left unprotected.”

-Darwin Pichardo, Broker/Founder