Advisor support


Advisor support


AD&D PlanUnderwritten by Chubb

*not available in Quebec

Accidents are often life-changing experiences that can affect the financial well-being of Canadians every single day. Adequate protection in the face of accidental injury or death is often overlooked because of the belief that accidents are avoidable or unlikely

Specialty Life's AD&D Plan is affordable at any stage of life, with a comprehensive schedule of benefits that ensures your clients can depend on their insurance in the event an accident befalls them or their family.

There are only two qualifying criteria in order to qualify your clients for Specialty Life's AD&D Plan:

  • They are between the ages of 18 to 69, and
  • They have a permanent Canadian residence;

Your client doesn't need a medical exam in order to qualify under this plan. If they meet the above criteria, they are guaranteed coverage. That means your client can qualify even if:

  • Your client has been declined life insurance in the past;
  • Your client has health issues that make finding insurance difficult;
  • Your client wants to insure himself/herself or a child without subjecting them to a medical exam;

Under all AD&D Plans offered under Specialty Life, your client is entitled to up to a basic benefit in event of accidental death and dismemberment, as well as to the following additional benefits:

In-Hospital Monthly Benefit - To cover unforeseen expenses if your client is confined to a hospital due to an accident.

Rehabilitation Benefit - To provide special training or accommodation should your client require adjustments to their occupation or role at work. Also available as benefits for a surviving spouse should they need to take on new work on behalf of a deceased partner.

Bereavement Benefit - In case of death, this benefit provides surviving family with grief counseling.

Home & Vehicle Modification Benefit - Provides direct benefits to claimants to make necessary changes to their home and auto to accommodate ongoing disabilities, such as paralysis.

Transportation & Repatriation Benefits - A set amount to be provided for the transportation and repatriation of the insured's remains should they die away from their home.

Below is a listing of all covered losses and the benefits entitled to be paid in the event of a claim for these losses.

Schedule of Losses

Percentage of Principal Sum Amount

Loss of life 100%
Loss of entire sight of both eyes 100%
Loss of one hand and one foot 100%
Loss of use of one hand and one foot 100%
Loss of one hand and entire sight of one eye 100%
Loss of one foot and entire sight of one eye 100%
Loss of speech and hearing in both ears 100%
Brain death 100%
Loss of both arms, both hands, both legs or both feet 200%
Loss of use of both arms, both hands, both legs or both feet 200%
Quadriplegia 200%
Paraplegia 200%
Hemiplegia 200%
Loss of one arm or one leg 75%
Loss of use of one arm or one leg 75%
Loss of one hand or one foot 75%
Loss of use of one hand or one foot 75%
Loss of entire sight of one eye 75%
Loss of speech or hearing in both ears 75%
Loss of thumb and index finger of same hand 33%
Loss of use of thumb and index finger of same hand 33%
Loss of four fingers of same hand 33%
Loss of hearing in one ear 33%
Loss of all toes of same foot 25%

The AD&D Plan will not pay benefits should accidental death or injury occur in part caused, directly or indirectly, by any of the below circumstances:

  • By Illness;
  • Due to suicide or intentional self-injury while sane or insane;
  • Through misuse of medication, the abuse of drugs or intoxicants, or death resulting from having a blood alcohol level of 80 milligrams of alcohol to 100 milliliters of blood or more;
  • In the act of committing or attempting to commit a criminal offense or while in prison;
  • As a result of medical or surgical treatments or complications arising from such things, except when necessary as a result of an injury;
  • As a result of participation as a paid professional in sports, or participation in any motorized contest of speed, nor any hazardous activities such as: scuba diving, rock climbing, boxing, skydiving/parachuting, hang-gliding, and/or bungee jumping;
  • As a result of air travel where the insured acts in a capacity other than as a fare-paying passenger in a commercially-licensed aircraft, or;
  • In events caused by declared or undeclared war, acts of war, terrorism, riot or insurrection, or death as a result of serving in the armed forces of any country, government, or international organization.