It’s nearly impossible to predict and avoid accidents. It’s a lot easier to prepare yourself for one, though.

Accidental Death & Dismemberment is life insurance coverage that pays a lump-sum benefit to the beneficiary, should death occur due to a covered accident.  Dismemberment benefits are paid to you, according to the benefit level you select, if you are accidentally dismembered.

AD&D is a very inexpensive form of life insurance that can give you additional protection in the event of an accidental death or dismemberment.