High Limit Personal & Group Accident AD&D


Available to individuals and employee or association groups, this product is flexible and designed to fit the specific requirements of each client. Protection is available as Accidental Death Only or can include dismemberment and other accident benefits. Sums insured can be financially justified both for personal or business insurance needs.


Accidental Death and Dismemberment can be used to cover a multitude of risks. Principal coverage is a lump sum benefit for Accidental Death. Also included at your option are lump sum benefits for loss of limbs or faculties (eyesight, hearing), paralysis and/or loss of use of limbs.


On an individual or group basis it can be used for the following scenarios:

Additional Benefits

AD&D coverage can normally be underwritten and implemented very easily and quickly based only on a completed short form application.


Business Travel Accident Insurance: An inexpensive policy that covers employees while traveling on behalf of the company. Coverage is available for Business Travel only or 24 hour Business and Pleasure. Spouses, children, and outside business associates can be included on these plans.


Basic Accidental Death and Dismemberment Insurance: This policy separates the Accidental Death and Dismemberment Insurance from the Group Term Life policy. This policy usually has a broader range of coverage, many enhancements and usually a lower premium for the policyholder.


Hazardous or Unusual Risks: Accidental Death & Dismemberment Insurance available to Individuals or Groups on Offshore Oil Rigs, Oil and Gas Exploration Drilling Companies, Land or Underwater Demolition Companies. Accidental Death & Dismemberment coverage is available for test pilots, balloonists, Employees or Groups traveling to war risk, war zone areas or other areas of conflict. Coverage is available for most unique or unusual occupations.

Common Carrier Coverage: Accidental Death & Dismemberment insurance for passengers traveling in a commercial, chartered, or leased aircraft and other public conveyances.


This document provides only a brief description of the coverage's available and is subject to change without notice.

All the policies contain reductions, limitations, exclusions and termination provisions.