Help for recovering and rebuilding
Accidents happen suddenly. In an instant there’s a lot more to cope with. You or your family shouldn’t have extra financial worries. Accidental Death & Dismemberment (AD&D) Insurance can help relieve the financial burden while you or your family recovers or rebuilds.
Why choose AD&D Insurance?
- Choice of single and family coverage
- Savings on the insurance you need, thanks to group pricing
- Occupational training for your spouse: If you die as a direct result of an accident, your spouse will receive financial help for training for a job he or she was not previously qualified for
- Coverage for return to home: If you die from an accident 100 km or more from home, there’s a payment of up to $10,000 for the cost of preparing and transporting your body home for burial or cremation
- Additional coverage to adapt your home or vehicle: If you suffer the loss of use, or loss of, both feet or both legs, or suffer from hemiplegia, quadriplegia or paraplegia as a direct result of an accident, and are confined in a wheelchair, there’s an additional 10% payment (up to $10,000) to make your residence and/or vehicle wheelchair accessible
- Disappearing premiums: If you’re totally disabled1 before you turn 652, your coverage continues, but you don’t have to pay the premiums as long as you remain totally disabled
- Seat belt benefit: If you die from a car accident, there’s an additional 10% payment if the accident report indicates your seat belt was properly fastened
You're eligible if you are:
- a member in good standing with your association
- between the ages of 18 and 65 (coverage ends on member’s 70th birthday)
- a resident of Canada, and
- covered under the association's Life Insurance
Meet the criteria? You can get AD&D Insurance for:
(You + spouse + all dependent children)3
What’s the cost?
Check out the rate sheets for a quick estimate.
How much coverage can you apply for?
- $30,000 to $500,000, in units of $10,000
- Your maximum coverage cannot exceed the greater of $200,000 or double your life insurance coverage
How it works:
- A lump-sum payment is made, upon approval of your claim, if you or your covered family member suffers a serious injury or dies due to an accident.
- The amount is a percentage of the AD&D coverage you’ve selected, based on the loss suffered. More details are in the plan brochure, but the table of losses below shows the percentages we use to determine the payment.
|Table of losses||Amount Payable
(% of Principal Sum)
|Loss of life||100%|
|Loss of one or both arms or hands||100%|
|Loss of both feet||100%|
|Loss of sight of both eyes||100%|
|Loss of one foot and sight of one eye||100%|
|Loss of speech and hearing in both ears||100%|
|Loss of one hand and one foot||100%|
|Loss of use of one or both hands or arms||100%|
|Loss of use of both feet or legs||100%|
|Loss of use of both arms or both legs||100%|
|Loss of thumb or index finger of either hand||100%|
|Loss of use of thumb or index finger of either hand||100%|
|Loss of one leg or one foot or sight of one eye||75%|
|Loss of use of one leg||75%|
|Loss of hearing, both ears||75%|
|Loss of speech||75%|
|Loss of use of one foot||75%|
|four fingers on same hand||33.33%|
|Loss of four toes on the same foot||25%|
|Loss of hearing, one ear||25%|
|Loss of joint between two phalanges or phalange of thumb or index finger of dominant hand||10%|
|Loss of use of joint between two phalanges or phalange of thumb or index finger of dominant hand||10%|
Here’s how Family AD&D Insurance works:
- No dependent children? Your spouse will be insured for 50% of your benefit amount.
- Spouse and dependent children? Your spouse will be insured for 40% of your benefit and each dependent child, regardless of the number, will be insured for 10% of your benefit, to a maximum of $50,000 per child.
- Dependent children, no spouse? Each dependent child will be insured for 20% of your benefit up to a maximum of $50,000 per child.
There are plan restrictions and limitations. Find out more in your plan brochure.
Take these three steps to apply:
- self-inflicted injury regardless of whether you have the ability to form the requisite intent or regardless of whether you have a mental illness such that you do not know or understand the consequences of your actions
- drug overdose
- carbon monoxide inhalation
- flying in, descending from or being exposed to any hazard related to an aircraft while:
- receiving flying lessons;
- performing any duties in connection with the aircraft;
- being flown for a parachute jump or;
- a member of the armed forces if the aircraft is under the control of or chartered by the armed forces.
- hostile action of any armed forces, insurrection or participation in a riot or civil commotion
- full-time service in the armed forces of any country
- participation in a criminal offence
This website is intended only as an outline of the insurance policy, which is available upon request. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the the group insurance policy issued by Sun Life Assurance Company of Canada. The policy can be obtained by calling Sun Life Financial at 1-800-669-7921 Monday to Friday, 8 a.m. to 8 p.m. ET or emailing firstname.lastname@example.org.