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Accidental Death and Dismemberment in New Orleans LA & Metairie LA

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What is accidental death and dismemberment insurance?

Accidental Death and Dismemberment Insurance, known as AD&D, is a form of insurance covering death or a specific type of injury as the result of an accident. In an event of accidental death, this insurance will pay in addition to any other life insurance held.

AD&D generally pays benefits for loss of limbs, fingers and sight. Death by illness, suicide, or natural causes is generally not covered by AD&D. The type of injuries covered and the amount paid vary by insurer and package and are explicitly explained in their policy jacket.

It can happen to you!

Almost 98,000 people die each year from accidental charges.

Over 44% of those deaths are due to motor vehicle accidents alone.

Driver fatalities: 27,472; Passenger fatalities: 10,036; Pedestrian fatalities: 4,881; Bicyclist fatalities: 784.

How much coverage can I buy?

Available amounts start at $50,000, $75,000, $100,000, and $200,000 and go up to a maximum of $500,000.

DISMEMBERMENT COVERAGE: (available on certain plans)

Two extremities or single eye and single extremity combinations, such as:

  • Loss of both hands or both feet;
  • Sight of both eyes;
  • One hand and one foot;
  • Or either one hand or one foot plus sight of one eye = 100% of benefit.
  • Loss of either:
  • one hand or
  • one foot, or
  • sight of one eye = 50% of benefit.

“Loss” as used above with reference to hand or foot means complete severance through or above the wrist or ankle joint; As used with reference to eye means the irrecoverable loss of entire sight thereof.

What other optional coverage is available?

PLAN I

Return of Premium Option – This rider builds cash value, which after the 20th year equals 20 annual premiums. At the end of the 20th year, if the policyholder elects to take the ROP, the coverage is terminated.

Anti-Inflation Benefit II – Death benefit increases each year, doubling over the 20 year period. Example: $100,000 increases to $120,000 at the end of five years; At the end of 10 years this benefit increases to $145,000; At the end of 20 years this benefit increases to $170,000 on the 15th year, ending at $200,000 on the 20th year.

PLAN II

Accidents on a Common Carrier – If you are accidentally killed while traveling as a fair-paying passenger in a licensed common carrier, regularly scheduled commercial airline, train, cruise ship, bus, or taxi, the payable benefit amount equals $500,000.

Auto/Truck Related Accidents – In the event of your death by accident while driving or riding as a passenger in a private, rented, or for-hire vehicle, or hit as a pedestrian, the benefit equals $200,000.

Other Covered Accidents – This policy pays $100,000 if your death is caused by any other covered accident, including violent crime, whether you are at home or work, shopping, or on vacation, at all hours of every day, worldwide.

*NOTE: Benefits reduced by half for persons 75 or older.

Who is eligible?

  • Adults ages 18-74.
  • Children can be added as a rider only, on a family plan basis up to age 24, if full-time students.

Who is not eligible?

Aviation pilots and flight attendants, anyone who skydives, scuba dives, mountain climbs, or participates in auto/motorcycle races, or rodeos.

When are no benefits payable?

  • Participation in a riot.
  • Suicide, infirmity, illness, or disease of any kind.
  • Committing an assault or felony.
  • Voluntarily taking poison, drugs, or inhalation of gas.
  • Travel or flight in an aircraft unless insured as a passenger with no duties in connection with a flight.

CAN MY FAMILY BE INCLUDED ON MY POLICY? (Sample Rates Plan II)

Our Locations

Metairie

3008 David Drive
Metairie, LA 70003
Main office: 504-455-7283

Kenner

2317 Veterans Memorial Blvd. Suite 6
Kenner, LA 70062
Main office: 504-455-7283

New Orleans

2714 Canal St., Suite 314
New Orleans, LA 70119
Main office: 504-821-3111

New Orleans East

5951 Bullard Ave., Suite 4
New Orleans, LA 70128
Main office: 504-241-7283

St. Bernard

8720 West Judge Perez Drive
Chalmette, LA 70043
Main office: 504-277-4000

Westbank

1500 Lafayette St., Suite 117
Gretna, LA 70053
Main office: 504-367-7283

Our Providers

They help me with all my insurance needs. Stephanie helped me save money at my renewal and was super nice. Rose in customer service helped me enroll in paperless when I couldn’t figure it out. They are awesome people and always professional. I would recommend them to anyone.
Michelle Simpson
Chris Webre got me a great rate and exactly the coverage I needed for my business. He kept in touch with me throughout the process. If I had a question, he was quick to respond with an answer. He made what was quickly becoming a headache, a pleasure. I’m glad I went with Dan Burghardt Insurance for my general liability business insurance. Thanks Chris.
Sidney Roussell
Got a great quote from some great people over at Dan Burghardt. Was surprised at how nice everyone was. I would recommend them to everyone. It’s as easy as giving them a call. Stephanie was awesome and quoted me a few different ways to see what was best for me.
Jerome Williams
Dan Burghardt and his staff are amazing. Whenever I need anything having to do with insurance I pick up the phone and within a few minutes it is taken care of… and for a lot less money than other insurance companies have quoted!
Brett Thomas
Jennifer at Dan Burghardt Insurance Agency is the most professional, helpful and efficient agent I have ever had the pleasure of working with. I would recommend them to everyone I know in the need of insurance services.
Brandi Dalon Picado
Thanks for always being, prompt, professional and friendly. I’m happy to be a customer with you all for the last 8 to 9 years!!! My agent Darlisha Miller is the best!!!
Darrylynn Montana-Henry