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Voluntary Accidental Death and Dismemberment (AD&D) Insurance
A benefit of up to $500,000 provides financial protection in the event of a significant injury or death due to an accident. It can be a smart way to complement your existing life insurance coverage.
Get started with MetLife Accidental Death and Dismemberment Insurance
Talk to a representative at USI Affinity at 1-855-874-0264

When the unexpected happens, AD&D insurance can help you be better prepared.

The MetLife Voluntary Accidental Death and Dismemberment plan can help provide financial protection in the event of a significant injury or death due to an accident. When you consider your family's long-term financial needs - home, mortgage, child and eldercare, saving for college and retirement, even two-income families can face financial hardship if a wage earner is seriously injured or dies in an accident. This coverage is not only affordable, but is designed to complement your existing life insurance coverage and help you prepare for your family's financial security.

Plan at a Glance:
  • Members* who are age 64 and under may apply for up to $500,000 of coverage in $10,000 increments.1
  • Spouse/domestic partner age 64 and under are eligible for up to 50% of the member benefit.2
  • Spouse/domestic partner and children (together) are eligible for a benefit that is a percentage of the member benefit: 40% for spouse/domestic partner and 10% for children.
  • Coverage ends at age 75.3
  • Special features and additional benefits may apply in certain situations if a death benefit is paid.
    • Seat belt(s) are in use;
    • Air bag(s) are in use;
    • Traveling on a common carrier (i.e., commercial airline)
    • Child care center, child education, spouse education, hospital confinement
Rates at a Glance:
AD&D Rate Chart
Coverage Amount
  $100,000 $300,000 $500,000
Member $13.80 $41.40 $69.00
Member
+ Family
$18.60 $55.80 $93.00
Rates shown are for a semi-annual mode. To be eligible, members must be 64 or younger.


Learn more
Download our FAQ's and exclusions and limitations for more details on AD&D Insurance.
Get started today:
If you have any questions, please call us at 1-855-874-0264
Find Your Rate
Enter your information below to see your quarterly rate. Then enter your spouse/domestic partner's information for their rate.
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Level of Coverage
Coverage Amount
Semi-annual = $XX.XX
Premium amounts for other frequencies:
Monthly = $XX.XX
Quarterly = $XX.XX
Annual = $XX.XX

PLEASE NOTE: The plan is available in all states except AK, LA, ME, MT, NH, NM, OR, SD, and WA

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Start Protecting Your Future Today
Talk to a representative at USI Affinity about these MetLife products:
  • Term Life Insurance
  • Long Term Disability Insurance
  • Business Overhead Expense Insurance
  • Accidental Death and Dismemberment (AD&D) Insurance
  • Dental Insurance
  • Vision Insurance

1-855-874-0264