Accidental Death & Dismemberment
Extra protection for qualifying accidents.
AD&D pays specified benefits for covered accidental death or certain serious injuries, such as loss of a limb or sight, as defined by the policy.
What to know
Start with the purpose, then compare the contract.
Insurance is not one-size-fits-all. We look at the need, budget, time horizon, health history when relevant, and the features that matter before discussing available products.
- Covered accidental death benefits
- Scheduled benefits for qualifying injuries
- Often simple enrollment
- Individual and supplemental options may be available
Know the tradeoff.
AD&D does not pay for death from illness or every event someone might consider an accident. Exclusions, time limits, and definitions are critical.
Serving Southern Nevada
Local guidance without pretending every city needs a different policy.
Insurance rules and carrier availability generally apply at the state level, not by city. We serve Nevada clients throughout Clark and Nye counties, including Las Vegas, Henderson, North Las Vegas, Mesquite, Boulder City, and Pahrump.
See Nevada service areas →A careful comparison
Questions before an application.
What is guaranteed?
Only guarantees stated in the issued policy apply. Non-guaranteed projections, dividends, and index-crediting outcomes can change.
When does coverage begin?
Coverage begins only as stated by the insurer after application, underwriting when required, approval, premium, delivery, and any other policy conditions.
Should I replace existing coverage?
Not automatically. Replacement can restart contestability periods, require new underwriting, increase cost, or remove valuable benefits. Compare both contracts first.