Unlike employer-based coverage, this insurance is portable–which means that if you change jobs, your coverage does not terminate. Access to this insurance is through your AAP membership. Just maintain your membership to keep your coverage until age 70, provided you make timely premium payments.

No, AD&D insurance should not be a replacement for a good life insurance policy. AD&D Insurance is good to have in your insurance portfolio for added protection. To protect yourself in other circumstances, such as natural illness, you should maintain life insurance. If you’ve been denied for life insurance or you’re unable to afford it at this time, AD&D may be a good idea to purchase because it can provide some financial protection in case of accident.

If you are involved in an accident that results in a loss of life, a loss of two or more limbs, or a loss of speech and hearing, you could receive full or a portion of your benefit as noted in the downloadable brochure. Natural sickness, diseases not related to an injury, or injuries resulting from medical/surgical treatments are some exclusions on the AD&D policy. The full list of exclusions can be found in the downloadable brochure to the right.