The best AD&D insurance policies at a glance
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.
Why trust NerdWallet
1,413 life insurance rates sets collected.
441 life insurers analyzed by our team of experts.
185 policies assessed.
Dive deeper: Ratings methodology for life insurance.
NerdWallet's life insurance content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in life insurance. We follow strict editorial guidelines to ensure the content on our site is accurate and fair so you can make financial decisions with confidence and choose the products that work best for you.
The best AD&D insurance policies of September 2025
Available through the workplace. | ||
Sun Life | Available through the workplace. | |
Available through participating credit unions. | ||
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. | ||
» MORE: Compare life insurance quotes
Best accidental death and dismemberment insurance in 2025
Prudential
- Variety of term and universal life options.
- Fewer consumer complaints than expected for a company of its size.
- Ranked below average in a recent customer satisfaction survey.
- No live chat or email options for customer service.
Pros
- Variety of term and universal life options.
- Lower complaint ratio than expected for a company of its size.
Cons
- Ranked below average in a recent customer satisfaction survey.
- No live chat or email options for customer service.
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.
- Prudential AD&D policy details
Policy name: Group AD&D Insurance.
Availability: All states, through the workplace.
» MORE: Prudential life insurance review
Sun Life
- Maximum AD&D benefits can reach $1 million.
- Life insurance products are only available through the workplace.
Pros
- Maximum AD&D benefits can reach $1 million.
Cons
- Life insurance products are only available through the workplace.
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.
- Sun Life AD&D policy details
Policy name: Accidental Death & Dismemberment Insurance.
Availability: All states, through the workplace.
TruStage
- Apply online or over the phone.
- Get an instant decision in most cases.
- No medical exam required for any policy.
- Limited rider options.
- Low maximum coverage amounts.
Pros
- Apply online or over the phone.
- Get an instant decision in most cases.
- No medical exam required for any policy.
Cons
- Limited rider options.
- Low maximum coverage amounts.
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.
- TruStage AD&D policy details
Policy name: AD&D Insurance.
Availability: May not be available in all states. Sold through participating credit unions.
» MORE: TruStage life insurance review
How we rate the best life insurance companies
✅ 441 life insurers reviewed
📝 185 policies assessed
🔢 1,315 data points analyzed
📊 Star rating categories
When NerdWallet evaluates life insurance companies, our editorial team considers the insurer's strengths and weaknesses, as well as the things that matter most to customers buying a long-term financial product. We then weigh these factors carefully:
💰 Financial strength (40%). We use AM Best ratings to confirm an insurer’s financial stability and ability to pay claims far into the future. The top life insurance companies have an exceptional financial strength rating of A+ or A++ (Superior).
🗣️ Consumer complaints (40%). Our top-rated life insurance companies have fewer than the expected number of complaints to state regulators over a three-year period, according to the National Association of Insurance Commissioners — so you can expect a smoother customer experience.
👀 Policy detail availability (10%). Our methodology gives higher scores to transparent insurers who clearly display information about their policy options, coverage amounts and term lengths (if applicable) on their site.
☎️ Ease of communication (10%). Insurers who allow consumers to contact them by email, phone and live chat earn the highest scores.
⭐ What our star ratings mean
Companies with 5 stars are exceptional, with strong financials, diverse policy lineups and great reputations for customer service.
Companies with 4.5 stars are excellent, with solid financials and policy offerings, and good customer service track records.
Companies with 4.0 stars are good, and potentially great for people looking for niche coverage options.
Companies with 3.5 stars or fewer could do better in certain categories, like financial strength and customer complaints.
NerdWallet does not receive compensation for our star ratings or our reviews. Read more about our life insurance ratings methodology and editorial guidelines.
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:
