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Accidental death and dismemberment (AD&D) insurance is a type of supplemental insurance (additional coverage for expenses your primary insurance plan doesn’t cover) that may pay cash benefits if you get dismembered or pass away in a covered accident.1 It may be a standalone supplemental policy, but can also sometimes be added to primary health insurance or life insurance.1 Aflac offers life insurance plans for individuals and families with an accidental-death benefit rider to help you plan for the unexpected. Read on to learn how AD&D insurance works.
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Accidental death and dismemberment insurance supplements a medical plan or life insurance plan that pays cash to a policyholder or beneficiary if you accidentally get killed or dismembered. It doesn't replace health or life insurance, but can pay additional benefits to help you cover medical bills, living expenses, childcare, and more during your recovery. Dismemberment includes loss of a body part, as well as vision, hearing, and speech.1
AD&D insurance coverage varies between policies and insurance providers. Although most policies vary, many AD&D plans cover:
The exact coverage and benefit amounts depend on the policy, so it’s important to review the schedule of benefits to understand how a policy works before enrolling.
With AD&D insurance, it’s just as important to understand what’s not covered so you know what to expect. Again, policies may vary, but generally AD&D insurance does not cover death or injuries resulting from:1
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedSometimes, accidental death and dismemberment insurance can be an additional rider in life insurance plans, but the two policies are not the same thing.1 Life insurance pays a death benefit for more causes of death, while AD&D insurance is a supplemental policy that only pays benefits for injuries or death caused by covered accidents.2
Some of the key differences to note include:2
There are a handful of advantages and disadvantages to choosing AD&D insurance:
AD&D insurance can help you cover living expenses or provide financial support to loved ones if you’re hurt or killed in an accident. Aflac offers life insurance with an accidental-death benefit rider that can give you the additional coverage you need. Chat with an agent today to learn more about Aflac life insurance policies and get a quote.
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Review all the major differences between term and whole life insurance, including costs, coverage, pros & cons.
Supplemental life insurance provides additional coverage for you and your family. Find out how it works and what types of supplemental life insurance plans are available.
Review all the major differences between term and whole life insurance, including costs, coverage, pros & cons.
Supplemental life insurance provides additional coverage for you and your family. Find out how it works and what types of supplemental life insurance plans are available.
1 Investopedia - Accidental Death and Dismemberment (AD&D) Insurance. Updated September 27, 2025. Accessed October 28, 2025. https://www.investopedia.com/terms/a/accidental-death-dismemberment-insurance.asp.
2 Investopedia - Death Benefit: How It’s Taxed and Who Can Claim It. Updated September 28, 2023. Accessed March 25, 2025. https://www.investopedia.com/terms/d/deathbenefit.asp.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Aflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. In New York, Policies NY68200, NY68300 and NY68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. In New York, Policy NYR68100. B60000 series: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series/Term: In Delaware, Policies Q60200CM. In Arkansas, Idaho, Oklahoma, Policies ICC18Q60200C, ICC18Q60300C, ICC18Q60400C. Not available in Virginia.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
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Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
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