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.
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The best AD&D insurance policies of April 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
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.- 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
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.- 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
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).- 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 ranked the top life insurers
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.
- How we review life insurance companies
In our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:
Policies offered. There are many types of life insurance on the market, and they fall into three key categories:
Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.
Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.
No-exam life insurance issues coverage without the need for a medical exam.
Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:
Exceptional: A+, A++.
Strong: A-, A.
Moderate: B, B+.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.
Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.
Dive deeper: Ratings methodology for life insurance
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 2021-2023. 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.
