Accidental Death and Dismemberment
AD&D Plan Include
- Loss of life
- Loss of speech
- Loss of speech
- Loss of a limb (arm or leg)
- Loss of a thumb or index finger on either hand
- Loss of movement (Quadriplegia or Paraplegia)
Frequently Asked Questions
How does AD&D insurance differ from life insurance?
AD&D insurance provides benefits specifically for accidental deaths and injuries, whereas life insurance offers coverage for a broader range of causes of death, including natural causes, illnesses, and accidents. AD&D insurance is typically more affordable than life insurance but has a narrower scope of coverage. It’s common for individuals to have both types of insurance to ensure comprehensive protection.
Is AD&D insurance a substitute for life insurance?
No, AD&D insurance is not a substitute for life insurance. While AD&D provides coverage for accidental death and specific injuries, life insurance offers broader coverage, including death from natural causes and illnesses. Many individuals choose to have both types of insurance to ensure comprehensive protection.
How are benefits paid out in the event of an AD&D claim?
In the event of an AD&D claim, the benefits are typically paid out in a lump sum to the policyholder or their designated beneficiaries. The amount of the payment depends on the severity of the covered accident and the terms of the policy. The beneficiaries can use the payout as they see fit, whether for medical expenses, income replacement, or other financial needs.
At Jole Insurance, we offer Accidental Death and Dismemberment (AD&D) insurance tailored to the needs of your company. Our AD&D coverage is a vital component of your employees’ well-being, providing financial protection in the event of a severe workplace accident resulting in fatality, permanent injury, disability, or dismemberment. Distinct from workers’ compensation, AD&D insurance enhances the comprehensive insurance package for your valued team.
In the event of a covered accidental injury or loss of life, our AD&D policies ensure the assigned beneficiary receives a lump-sum payment, based on the selected coverage amount. Jole Insurance collaborates with a diverse network of insurance providers to deliver specially crafted AD&D plans aligned with the unique insurance needs of your business.
Recent findings reveal that unintentional injuries rank as the fifth leading cause of death among Americans, following heart disease, cancer, respiratory conditions, and strokes. Personalized AD&D coverage is your proactive step to safeguard your employees and their families in the face of unforeseen accidents.
CONTACT US
We eagerly anticipate collaborating with you to fortify your business's future, no matter the challenges that lie ahead.
At Jole Insurance, we’re here to assist you with any questions, inquiries, or concerns you may have. Our dedicated team is just a message or a call away.
Location Address :
4237 N Expressway Suite 9 Brownsville TX 78420
Phone Numbers :
956-545-0050
Email Address :
info@joleinsurance.com