Disability Insurance California - Accidental Death & Dismemberment

Affordable, almost immediately in effect, and available throughout California, accidental death and dismemberment insurance – often referred to as an "AD&D" policy – is essential, responsible insurance coverage.

Why do you need a Disability Insurance California plan? In today's world, it's a given and accepted fact that accidents can and do happen: at anytime and anywhere. In fact, according to statistics from the National Safety Council, the chance of you dying as a result of a fatal accident is 1 in 1,700! That's why it's essential that you have an AD&D policy that provides financial benefits in the event that you are killed as the result of an accident. Benefits are also available in case you lose a limb, your sight, or are paralyzed in an accident, such as a vehicle collision or a fall.

Available through CaliforniaLife.com as an individual, stand alone policy, your AD&D insurance is one more way you can ensure the financial stability of your spouse and your children, should you be killed in an accident. You take care of your family in life; you need to do the same in the event of an unexpected, accidental death, too. An added benefit: AD&D policies are extremely affordable and go into effect usually within 24- to 48-hours with no medical questions on the application.

What is Accidental Death and Dismemberment Insurance?

AD&D is a special type of insurance that provides benefits only if the policy holder is killed or maimed in an accident, including car accidents, victims of violent crime, or other unanticipated events. This is not regular life insurance; instead, it's a complement to your regular life insurance policy, providing your family and loved ones with additional benefits if you die in an accident.

For the "dismemberment" part of the coverage, you will receive benefits if a limb is amputated, you are blinded, or you are paralyzed in an accident. The exact amount of benefits received for an amputation depends on which limb is lost. Our AD&D insurance experts will be glad to provide further information, of course, about the dismemberment benefits when you call.

AD&D Exclusions

Your AD&D policy, purchased through CaliforniaLife.com, does have some exclusions to the coverage. Most notably, your beneficiaries will not receive any benefits if you die as the result of:

  • Aviation Accidents, Where You Are a Crew Member
  • Drug Overdose – Prescribed or Illegal
  • Natural Causes
  • Performing Military Service
  • Suicide
  • Vehicle Accident, Where You Are Driving While Legally Intoxicated
  • War

Benefits of AD&D Insurance

  • It is extremely affordable.
  • There are no medical questions on the application.
  • It usually goes into effect within 24- to 48-hours of purchase.
  • Almost everyone in California qualifies for an AD&D insurance policy.
  • Added peace of mind, knowing that you've taken one more step in caring for your family's financial future, should you die in an accident.

Call for a Free Quote on California AD&D Insurance and information on the disability insurance California residents need.

Call our accidental death and dismemberment insurance experts, at CaliforniaLife.com, today. We'll be glad to discuss the policy options with you and help you obtain an affordable AD&D insurance policy, now.

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