Accidental Death Insurance Carriers: A Source List

For the convenience of those who choose or influence your company's choice of Employee Benefit accidental death and dismemberment policies, here is a current list of insurance carriers who provide this type of coverage.

I provide the name of the carrier, a phone number (usually a toll-free number), website, which states they sell this policy in, whether one's spouse can also be enrolled, and some basic facts about what is included. I recommend contacting the company to ask for details about what kind of injuries or causes of injuries are covered, etc.

AlwaysCare Benefits Inc., www. AlwaysCareBenefits.com, 888-729-5433 x752. Available in AL AZ AR CO GA IN IA LA MI MN MS NC OH OK PA SC TX VA WI. Packaged with Life Insurance. Maximum value = five times base salary. Can cover spouse and dependents as well as employee.

American General Life Cos., www.americangeneral.com, 732-922-7025. Sold in all states. Group policies. Maximum value = five times salary. Smallest group size is two. Can cover spouse and dependents as well as employee.

Brokers National Life, www.bnlac.com, 800-798-1125. Sold in all states EXCEPT CT DC HI MD MA MN NH NJ NY NC RI VT. Maximum value = $250,000. Can cover spouse and dependents as well as employee.

Chartis, www.chartisinsurance.com, 212-770-1690. Sold in all states EXCEPT MI. Maximum value = ten times annual salary, unless otherwise specified. Can cover spouse and dependents as well as employee.

Eastern Life and Health Insurance Co., www.elhins.com, 800-654-7100. Sold in DE DC GA IN MD MI NJ NC OH PA SC TN VA. Minimum group size is two. If group is ten or larger, maximum value = five times salary, to a maxiumum of $500,000 (whichever is less); however, must be packaged with basic life policy. Coverage for policyholder, spouse and dependents.

Lincoln Financial Group, www.lfg.com, 800-423-2765. Sold in all states EXCEPT FL VT. Offered in $25,000 increments.Maximum value = ten times salary, to a maximum of $500,000. Can cover spouse and dependents as well as employee.

Mutual of Omaha, www.mutualofomaha.com, 402-351-6627. Sold in all states. Benefit amounts vary with size of group. Can cover policyholder's spouse and dependents also. Includes coverage for air bag, childcare, child education, coma, assault, repatriation, spouse retraining, etc.

Petersen International Underwriters, www.piu.org, 800-345-8816. Sold in all states. Maximum value = ten times annual salary. Can cover spouse and dependents as well as employee.

Reliance Standard Life Insurance Co., www.rsli.com, 267-256-3610. Sold in all states. Maximum value = $500,000. Employee coverage only on the basic group life and AD&D policy. Can cover spouse and dependents as well as employee. Coverage for coma, air bag, paralysis, brain damage, survivor, critical burn, etc.

Standard Insurance Co., www.standard.com, 800-633-8575. Sold in all states. Can choose a flat amount, incremental amount or multiple of salary. Can cover spouse and dependents as well as employee.

Sun Life Financial, www.sunlife.com/us, 800-sun-life. Sold in all states. Maximum value = ten times salary to a maximum of $2 million. Standard additional benefits include travel option, air bag, seat belt, helmet, etc. Can cover spouse and dependents as well as employee.

Transamerica Affinity Services Inc., www.TransamericaAffinity.com, 800-229-6565. Sold in all states EXCEPT LA NH. Benefit levels vary with plan design and state. Can cover spouse and dependents as well as employee. Coverage may include air bag, ER, ambulance, paralysis, child education, military pilot, etc.

Travel Insurance Center, www.travelinsurancecenter.com, 866-979-6753. Sold in all states. Maximum value = $1 million per individual age 18 or older. Can cover spouse and dependents as well as employee. Offers optional riders for professional, semi-pro, club, intramural or intercollegiate sports, motorcycle driving, scuba diving, mountain climbing, skiing, sky diving, racing, piloting aircraft.

United Teacher Associates Insurance Co., wwwutainteractive.com, 800-880-8824. Sold in all states EXCEPT CT FL MA MN NH NJ ND RI VT WA. Maximum value = $100,000 for Plan A. Includes coverage for ambulance, hospital, intensive care, physical therapy, family lodging, etc. Can cover spouse and dependents as well as employee.