A life insurance policy can help you give your family financial peace of mind if you are no longer there to provide for them. When you enroll in a Life insurance plan, Accidental Death and Dismemberment (AD&D) coverage is typically included. Each benefit pays out a lump sum and can provide a safety net in the event of the unexpected.

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Life insurance provides a lump-sum benefit to your beneficiary(ies) to help meet expenses in the event of your death or in the case of a covered accidental injury. Even if you’re single, your beneficiary can use your Life insurance benefits to pay off your debts, such as credit cards, mortgages, and other final expenses.

AD&D coverage provides you specified benefits for a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot or eye). If death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies).