We know that nurses, especially, understand the importance of having proper care and preventative measures in place. We’re here to help you prepare for the unexpected so you can stay focused on doing what you love to do…taking care of others.

Accidental Death and Dismemberment (AD&D) insurance through ANA provides you with an opportunity to help protect yourself and your family against the unexpected. AD&D pays a benefit to you or your family if you suffer a dismemberment or pass away as a result of a covered accident.

Who is eligible for AD&D Insurance?

Members are eligible for coverage up to age 80. Spouses are also eligible for coverage up to age 80. Dependent children under the age 27 are also eligible.

Why is AD&D Insurance important?

AD&D insurance is important to help protect against the unexpected. An accidental death occurs every four minutes in the U.S., making accidents the third-leading cause of death.*

ANA members can receive guaranteed acceptance—no medical exams necessary. Guaranteed acceptance makes the process of financially protecting yourself and your loved ones from life’s unfortunate circumstances a little easier.

With AD&D coverage, whether you’re home or away, you know that you and your loved ones are covered in case of a covered accident.

ANA AD&D Insurance is issued by The Prudential Insurance Company of America (Prudential), one of the most trusted names in insurance.

What it covers

A variety of accidents and injuries may be covered under AD&D Insurance, including*:

Loss of Life

Loss of Limbs (arms, legs, hands or feet)

Sight in Both Eyes

Speech and Hearing in Both Ears

Loss of Use: The total and permanent loss of function.

*This is not a comprehensive list. Check the certificate-booklet for more details.

What it costs

ANA offers members economical rates for AD&D coverage.

The following calculator shows monthly rate information:

ANA AD&D Insurance Calculator

Coverage
$150,000

Monthly Payment
$9.00

Slide to Customize Your Policy
$50,000 $500,000

Monthly Payment calculation includes optional waiver of premium fee, which can be opted out of during enrollment.

Frequently Asked Questions

Q. Is AD&D insurance easy to get?

A. Yes. AD&D Insurance offers easy, affordable ways to give your entire family guaranteed coverage, 24 hours a day, 365 days a year. There is no medical exam, and your acceptance is guaranteed. The benefits provided are payable in addition to any insurance that may be in effect at the time of the accident.

Q. How does AD&D insurance work?

A. AD&D insurance pays you or your beneficiaries a set amount of money if your death or dismemberment is the direct result of a covered accident.

Q. Can you use a portion of the AD&D insurance if you’re living?

A. Yes, if you experience an accident that does not result in death but leads to a qualifying event, e.g. vision and/or hearing loss, or a dismemberment, you can collect the cash payment to assist with improving the quality of your life.

Q. Can you use AD&D and Life Insurance together?

A. Yes. Many people will purchase both coverages as a way to increase their total coverage at an affordable price point. In the event a member has term life and AD&D insurance, and they pass away as a result of a covered accident, they will get both cash payments as listed in their coverages.

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