Life, AD&D Insurance


Life, Accidental Death and Dismemberment (AD&D) coverage pays a lump sum in the event of a personal or workplace accident. The accident could be one that is fatal, or causes permanent injury/disability, or specifically, dismemberment, and the policy normally pays up and above workers compensation or other disability insurance. Dunamis Insurance & Business Services provides AD&D insurance which rounds out the comprehensive insurance package for your employees.
 

What Does A Life AD&D Plan Cover?


An AD&D  plan may include coverage for employees and dependents and usually applies in the event of an injury, paralysis, loss, partial loss of limbs or death resulting from a covered accident.
 

Dunamis Insurance & Business Services Life AD&D plans offer benefits for the following occurrences as an immediate result of an accident:
 

  • Loss of life

  • Loss of sight

  • Loss of a limb (arm or leg)

  • Loss of digits on either hand or loss of toes

  • ER Benefits associated with care

  • Daily hospital benefit payment for up to 30 days

  • Ambulance or Air Ambulance benefits

  • Worldwide 24/7 coverage


Facts From Insurance Experts


According to a recent study by the Centers for Disease Control and prevention, loss of life from unintentional injuries is the 5th leading cause of death for Americans behind heart disease, cancer, respiratory conditions and strokes.
 

In 2016, unintentional injuries or accidents were the third leading cause of death accounting for an estimated 146,571 deaths.
 

  • Number of injury-related visits: 39.0 million

  • Number of visits per 100 persons: 43.3

  • ER visits resulting in hospital admission: 12.3 million

  • ER visits resulting in admission to a critical care unit: 1.5 million


Currently, nearly two-thirds of all ER visits are due to accident as opposed to sickness. 


Hard Choices


No employer ever wants to think about the horrific scenario of an employee being dismembered or fatally wounded. It is hard to even imagine the difficulty of knowing that if things had been different, then the person would be fine and there would not be a family devastated by loss and grief. However, the only thing you can do for them is to make sure that they are taken care of and are not under financial duress.

Call Dunamis TODAY for a FREE, no obligation quote or consultation regarding Life AD&D Insurance and discover what we can do to help your bottom line and provide additional security for your employees.

 

Dunamis Offers Powerful Solutions!