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Living Benefits

Accidental Death and Dismemberment (AD&D)

AD&D insurance provides targeted financial protection against the economic impact of accidental injuries and death — an important and affordable layer of coverage for Canadians.

Get a Free Quote (604) 338-3042
Low cost Very affordable premiums
100% Of benefit paid for accidental death
Worldwide Coverage 24 hours a day
No exam No medical exam typically required
How it works
Getting covered is simple
1

Book a free call

Sri reviews your unique needs, goals, and budget — completely free with no pressure or obligation.

2

Compare top plans

We shop 20+ Canadian insurers to find you the best coverage at the most competitive rate.

3

Get covered fast

Meet Sri on Zoom or in person to submit your application. Many plans are approved within 24–72 hours—often with no medical exam required.

About this coverage
Targeted Protection Against Accidental Events

Accidental Death and Dismemberment (AD&D) insurance provides a lump-sum benefit if the insured individual dies or suffers a qualifying injury as the direct result of an accident. Covered incidents typically include motor vehicle collisions, falls, drowning, or other sudden and unintended occurrences. AD&D policies are available as standalone products or as riders that can be added to an existing life insurance policy.

AD&D insurance is commonly used as a supplement rather than a replacement for traditional life insurance. It is best positioned as an affordable way to enhance overall protection — particularly for individuals with higher exposure to occupational or lifestyle risks. Employers in Canada frequently offer group AD&D as part of employee benefits packages.

Key benefits
What AD&D Insurance Covers

Accidental death benefit

100% of the insured amount paid to beneficiaries if death results directly from a covered accident.

Loss of limb or function

A percentage of the total benefit is paid for the loss of a limb, sight, hearing, or speech — proportionate to severity.

Structured benefit schedule

Benefits are proportionate to the impact of the injury on lifestyle and earning capacity.

Common carrier benefit

Many policies provide double or triple indemnity if the accident occurs on public transportation.

Offsets unexpected expenses

Helps cover medical costs, rehabilitation, home modifications, and income loss not covered provincially.

Family financial stability

Provides essential financial support for families during an already difficult and stressful time.

Common questions
Frequently asked questions
No. AD&D coverage is limited to accidents and does not provide benefits for death due to illness, natural causes, or other non-accidental events. It is best positioned as an affordable supplement to traditional life insurance.
Not all accidents or injuries are covered. Exclusions can include incidents related to high-risk activities, substance use, or pre-existing conditions. Sri will review policy definitions and exclusions with you carefully to ensure realistic expectations.
Most AD&D policies cover accidents both on and off the job, around the clock. Workers compensation may also apply for workplace incidents, and both can potentially pay benefits simultaneously.

Ready to protect what matters most?

Sri will find the right coverage at the best rate — no cost, no pressure, no jargon. Just honest guidance.

Book a Free Consultation (604) 338-3042

Licensed in BC, Alberta, Ontario & Nova Scotia • Powered by Experior Financial Group