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Who is Eligible for AD&D Coverage?

All persons in any age group are eligible. However High Limit Accident Insurance and AD&D Coverage are usually purchased by:
  • Business Firms - to offset the loss of a key employee. To compensate families of employees for loss of income due to accidental death or permanent disability.
  • Professional Firms - to offset the temporary and long term financial aspects of accidental death or accidental bodily injury to a Principal of the firm. (For example: We insure the hands of surgeons, famous musicians and athletes against accidental injury that would impair their dexterity.)
  • Educators and students - to protect parents and sponsors against loss due to accidents while traveling or while living away from home.
  • Travelers - on business or on pleasure trips anywhere in the world.
  • War Correspondents or military families.
  • Tour Groups - while on recreational or sporting trips such as skiing, scuba diving, sky diving or bungee jumping.
  • Government Agencies and Programs
  • Fraternal and Religious Activities
  • Individuals and Families



Valuable AD&D Links

:: Review AD&D premiums and access our online quote/application tool.
:: Check out our ADD insurance definitions
:: Policy Exclusions include:
   suicide or intentional self-inflicted Injury or poisoning; alcohol abuse or addiction.
   Click here for full list

:: List of countries excluded from the standard coverage.
:: AD&D Frequently Asked Questions (FAQ)
:: Access our online AD&D quote and application tool.


Last updated on: 11/14/2008

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