When unexpected accidents happen, they can result in serious injury or even loss of life—each with significant financial consequences. The Gerber Life Accident Protection (AD&D) plan is designed to bridge that gap, offering affordable, 24/7 coverage that pays in the event of accidental death or a disabling injury. With no medical exams or health questions required, guaranteed acceptance, and locked-in rates, it’s a powerful way to protect your loved ones and your livelihood.

Who Qualifies?

Anyone between the ages of 18 and 69 can apply. There are no health exams, questionnaires, or occupation restrictions. Whether you’re a high-risk worker or just want additional protection, Gerber guarantees acceptance—virtually immediately upon application.

Key Benefits

• Accidental Death Benefit: Pays a lump sum to your beneficiary if a covered accident results in death.
• Dismemberment Coverage: Provides compensation for serious injuries, like loss of limb, eyesight, or paralysis due to an accident.
• Affordable Premiums: Lock in low, never-increasing rates—coverage can begin for as little as 17¢ per day for $50,000 protection.
• Immediate Activation: Coverage begins as soon as your first premium payment is received—no waiting period.
• Flexible Benefit Amounts: Choose coverage between $50,000 and $500,000 to fit your needs.

Why Get Accident Protection?

Accidents are the leading cause of serious injury or death among many age groups, and often come with unexpected medical bills, rehab costs, and income loss—expenses that traditional life insurance or health policies may not fully cover. This makes AD&D a smart, budget-friendly way to complement your existing coverage and fill critical gaps in your protection.

Why Choose Gerber Life for AD&D?

Gerber Life has a strong reputation for affordable, family-focused insurance. The Accident Protection Plan holds an “A” (Excellent) financial strength rating from A.M. Best, and provides reliable service through a company trusted for decades by middle-income households. It’s ideal for individuals looking for simple, guaranteed coverage in minutes—not months.

Common Use Cases

• Individuals in high-risk jobs (e.g. construction, delivery, manufacturing)
• Budget-conscious individuals wanting extra financial safety net
• Anyone seeking immediate and guaranteed coverage to supplement existing insurance

Application Process

1. Apply Online: Submit a simple form—no exams or health screening needed.
2. Select Your Coverage: Choose a coverage amount between $50,000 and $500,000.
3. Immediate Coverage: Protection starts as soon as premium is received; your rate is locked in.