Accidental Death & Dismemberment

*not available in Quebec

Accidents are often life-changing experiences that can take a severe financial toll. Some Canadians don’t feel the need for accidental injury or death coverage because of the belief that an accident happening to them is very unlikely. But this oversight can be costly. The accidental death & dismemberment plan has a comprehensive schedule of benefits that ensures your clients can depend on their insurance in the event an accident occurs.
  • Eligibility​
There are only two qualifying criteria to qualify your clients for Specialty Life’s AD&D Plan:
  • 1 They are between the ages of 18 to 69, and
  • 2 They have a permanent Canadian residence.
Your client doesn’t need a medical exam to qualify under this plan. If they meet the above criteria, they are guaranteed coverage. That means your client can be eligible 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.
  • 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 the surviving family with grief counselling.
  • 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 for the transportation and repatriation of the insured’s remains should they die away from their home.
  • Schedule of Losses
Schedule of LossesPercentage of Principal Sum Amount
Loss of life100%
Loss of entire sight of both eyes100%
Loss of one hand and one foot100%
Loss of use of one hand and one foot100%
Loss of one hand and entire sight of one eye100%
Loss of one foot and entire sight of one eye100%
Loss of speech and hearing in both ears100%
Brain death100%
Loss of both arms, both hands, both legs or both feet200%
Loss of use of both arms, both hands, both legs or both feet200%
Quadriplegia200%
Paraplegia200%
Hemiplegia200%
Loss of one arm or one leg75%
Loss of use of one arm or one leg75%
Loss of one hand or one foot75%
Loss of use of one hand or one foot75%
Loss of entire sight of one eye75%
Loss of speech or hearing in both ears75%
Loss of thumb and index finger of same hand33%
Loss of use of thumb and index finger of same hand33%
Loss of four fingers of same hand33%
Loss of hearing in one ear33%
Loss of all toes of same foot25%
  • When this Benefit is Paid
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 millilitres of blood or more;
  • In the act of committing or attempting to commit a criminal offence 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;
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