Accidental Death and Dismemberment Insurance
Accidents happen, and worrying about finances should be the last thing on your mind. Prepare for life’s unexpected outcomes and protect you and your family with an Accidental Death and Dismemberment Policy from MedMutual Protect.
Accidents Can Strike at Any Time
In 2022, Over 220,000 unintentional injury deaths occurred in the U.S.1
Unintentional injury is the 3rd leading cause of death.1
There were nearly 45,000 motor vehicle traffic deaths in 2022.1
Payable Benefits
Payable benefits that are a direct result of a Covered Accident can be used to pay for medical expenses, daily living expenses or loss-of life expenses. This policy pays benefits for injuries such as complete dislocations, complete simple or closed bone fractures and death that are a direct result of a covered accident.
| Benefit | Benefit Amount |
|---|---|
| Over 19 years of age | $50,000 |
| Under 19 years of age | $10,000 |
*Varies by state
Frequently Asked Questions
Accidental Death and Dismemberment insurance provides benefits for a covered accident that results in death or certain severe injuries, such as covered fractures, dislocations, or loss of limbs. The benefit can help provide financial support during a difficult time.
The benefit provides a lump sum that can be used for a variety of expenses, including medical bills, mortgage or rent payments, household expenses, childcare costs, educational expenses, and other financial obligations resulting from a covered accident.
Yes. Covered accidental deaths resulting from events such as motor vehicle accidents may qualify for benefits under an AD&D policy, subject to policy provisions, limitations, and exclusions.
Life insurance generally provides a benefit regardless of the cause of death, subject to the policy’s applicable terms and exclusions, while AD&D insurance provides benefits only when death or certain covered injuries result directly from an accident. Many people use AD&D insurance as a complement to their life insurance coverage.
AD&D insurance may be beneficial for individuals who want additional financial protection for their families in the event of a serious accident. It can be especially valuable for parents, primary income earners, commuters, travelers, and people with active lifestyles.
1Centers for Disease Control and Prevention. National Center for Health Statistics. Retrieved June 20, 2024. Accessible here.
*ACA plans are brokered through Summerset Marketing Company.
MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America, Reserve National Insurance Company, or MedMutual Life Insurance Company. United Insurance Company of America is not financially affiliated with Medical Mutual of Ohio. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.