4 Best AD&D Insurance Policies in June 2024

These insurers offer coverage for accidental deaths or injuries, but you may need to buy through your workplace.
Katia Iervasi
By Katia Iervasi 
Updated
Edited by Lisa Green

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Accidents happen, and accidental death and dismemberment (or AD&D) insurance is designed to help you or your family in the aftermath. It’s usually offered by employers, along with group life insurance, though there are a handful of insurers that sell stand-alone policies.

To finalize this list, our experts looked at insurers that offer comprehensive AD&D policies — not just accidental death insurance, which covers deaths but not injuries. We assessed policy features and the percentages paid out for various injuries, as well as the amount of coverage you can buy.

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The best AD&D insurance policies of June 2024

3.5

NerdWallet rating 

Available through the workplace.

Sun Life

3.5

NerdWallet rating 

Available through the workplace.

3.0

NerdWallet rating 

Available through participating credit unions.

3.0

NerdWallet rating 

Available through AIG agents.

NerdWallet rates insurers at the company level, not the policy level. This means our star rating reflects the company as a whole, and not its AD&D insurance policy specifically.

Best accidental death and dismemberment insurance in 2024

Learn more about each company in our list by reading the brief summaries below.

Jump to:


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Prudential

3.5

NerdWallet rating 
Bottom line: If your employer offers Prudential’s insurance products as part of its workplace benefits, you may have access to AD&D insurance, either as a stand-alone policy or a rider on your term life insurance policy.

on Nerdwallet

Financial strength rating

Exceptional

Online purchase

Yes

NAIC complaints

Fewer than expected

Policies offered

Term, permanent & no-exam
insurance-product-card-logo

on Nerdwallet

Prudential

3.5

NerdWallet rating 
Bottom line: If your employer offers Prudential’s insurance products as part of its workplace benefits, you may have access to AD&D insurance, either as a stand-alone policy or a rider on your term life insurance policy.

Financial strength rating

Exceptional

Online purchase

Yes

NAIC complaints

Fewer than expected

Policies offered

Term, permanent & no-exam

Overview: Employers typically offer plans that are linked to your salary or with set amounts like $50,000 or $100,000. Depending on your employer, you might be able to add a rider that reimburses your spouse or child for tuition and day care if you die in an accident, or one that pays extra if you die in a car while wearing a seat belt.

Since Prudential’s AD&D policy is a type of group life insurance, you won’t need to prove you’re in good health. You can sign up during open enrollment, or if you’ve experienced a qualifying event such as switching jobs or getting married.

Policy name: Group AD&D Insurance.

Availability: All states, through the workplace.


insurance-product-card-logo

Sun Life

3.5

NerdWallet rating 
Bottom line: Each employer sets its eligibility requirements for this AD&D policy, though in most cases you’ll need to work at least 30 hours a week to qualify.

on Nerdwallet

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected
insurance-product-card-logo

on Nerdwallet

Sun Life

3.5

NerdWallet rating 
Bottom line: Each employer sets its eligibility requirements for this AD&D policy, though in most cases you’ll need to work at least 30 hours a week to qualify.

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Overview: Sun Life’s AD&D policy typically pays out 100% of its face value for accidental deaths, and 50% if you lose a limb (such as an arm or leg) or your speech, hearing or sight in one eye. It also pays 25% if you lose a thumb and index finger on the same hand.

Most employers choose a maximum benefit between $10,000 and $1 million, and some offer portability, which means you can take your coverage with you if you change jobs.

Policy name: Accidental Death & Dismemberment Insurance.

Availability: All states, through the workplace.


insurance-product-card-logo

TruStage

3.0

NerdWallet rating 
Bottom line: The policy stands out for its “increasing benefit,” which means the value of the coverage you buy increases by 5% each year you keep it (up to a total of 50% over 10 years).

on Nerdwallet

Financial strength rating

Strong

Online purchase

Yes

NAIC complaints

Far more than expected

Policies offered

Term, permanent & no-exam
insurance-product-card-logo

on Nerdwallet

TruStage

3.0

NerdWallet rating 
Bottom line: The policy stands out for its “increasing benefit,” which means the value of the coverage you buy increases by 5% each year you keep it (up to a total of 50% over 10 years).

Financial strength rating

Strong

Online purchase

Yes

NAIC complaints

Far more than expected

Policies offered

Term, permanent & no-exam

Overview: TruStage’s AD&D policy is sold through credit unions and doesn’t require you to fill out a health questionnaire or take a life insurance medical exam. Along with covering accidental deaths, TruStage’s AD&D policy typically pays out between 5% and 100% of the policy’s face value if you lose your speech; hearing; or a foot, hand, eye or digit — such as a finger — due to an accident. 

TruStage also pays out an additional amount if you were wearing a seat belt or protected by an air bag at the time of the accident. Finally, you can add cancer, heart attack and stroke coverage to your policy for a fee, and you’ll receive an extra lump sum of money if you’re diagnosed with one of those conditions.

Policy name: AD&D Insurance.

Availability: May not be available in all states. Sold through participating credit unions.


insurance-product-card-logo

Corebridge

3.0

NerdWallet rating 
Unlike some AD&D policies that are only available through employers, you can buy Corebridge Financial coverage (formerly AIG Life & Retirement) outside of work, directly from an agent.

on Nerdwallet

Financial strength rating

Strong

Online purchase

No

NAIC complaints

Far more than expected

Policies offered

Term, permanent & no-exam
insurance-product-card-logo

on Nerdwallet

Corebridge

3.0

NerdWallet rating 
Unlike some AD&D policies that are only available through employers, you can buy Corebridge Financial coverage (formerly AIG Life & Retirement) outside of work, directly from an agent.

Financial strength rating

Strong

Online purchase

No

NAIC complaints

Far more than expected

Policies offered

Term, permanent & no-exam

Overview: Applicants must be from 18 to 80 to apply. There is no waiting period for this policy, which means coverage can start the same day you apply. You do not have to complete a medical exam or answer questions about your health to qualify for coverage. Plus, your occupation doesn’t impact your eligibility. You can buy coverage over the phone with an agent, and coverage can start the same day.

Policy name: Accidental Death and Dismemberment Insurance.

Availability: Not available in all states. Available direct to consumers through an agent.


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Alternatives to the best AD&D insurance

To recap, AD&D policies pay out only if you’re killed or seriously injured in an accident. They don’t cover deaths due to natural causes, illnesses and surgeries.

If you want coverage for those types of deaths, look into a term life insurance policy. And if you already have life insurance but want to make sure you’re covered for accidents, you could buy a personal accident insurance policy. These policies kick in if you’re injured in an accident.

More about top-rated life insurance companies

Looking for a different type of life insurance policy? Check out NerdWallet’s top picks across these categories:

Life insurance ratings methodology

NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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