As we journey through life, unexpected events often cross our path, primarily those impacting our health and wellbeing. Such unexpected turns can be less daunting when shielded with a comprehensive life insurance policy, enhanced by the Accidental Death and Dismemberment (AD&D) rider. This rider is great for rounding out your insurance coverage and is often more affordable than standalone AD&D insurance.

This article aims to educate you about the Accidental Death and Dismemberment Rider and how it can boost your financial protection during unforeseen situations without having to break the bank.

Decoding the Essentials of Accidental Death & Dismemberment Rider

Many individuals view life insurance as an essential financial pillar that supports their family after their demise. But what about the financial implications should you unexpectedly face a tragedy during your lifetime?

The Accidental Death and Dismemberment rider acts as a shield to your term life insurance, offering extra financial coverage during life's unforeseen upheavals.


Accidental Death and Critical Illness Plans as extra protection.


Significance of Accidental Death & Dismemberment Rider

The Impact of Accidents

Accidents are never premeditated, but their aftermath often includes hefty medical expenses and potential loss of income. This combination places families under considerable financial pressure during an already emotionally challenging time.

Adding an AD&D rider, a cost-effective complement to your life insurance policy, can help reduce the financial strain your family may face following a sudden accident.

In short, living through and recovering from a severe accident or dismemberment can be a physical, emotional, and financial drain. The associated medical expenses can be a burden to your family's financial stability. This is where the AD&D rider steps in, providing financial support during such trying times.


A Specialist Life Insurance Agent explaining the benefits of Accidental Death and Critical Illness Plan.


Benefits of Accidental Death & Dismemberment Rider

Immediate, Affordable Coverage

The AD&D rider ensures instant coverage, with no medical exams required. The quick and simple application process, and its affordability, make it a popular choice among many Canadians.

  • There are no waiting periods, ensuring immediate coverage upon policy issuance
  • No medical exams or health questions streamline the application process
  • Affordable premiums make this rider accessible to a wide range of individuals

Extended Protection

The AD&D rider elevates the extent of your term life insurance coverage. Not only does it assure financial support following death, but it also looks out for financial assistance during unexpected life events.

  • The rider provides added financial support in case of accidental death
  • It also covers specific cases of dismemberment or loss of speech, sight or hearing due to accidents
  • It complements your term life coverage, providing a broader safety net during the policy term

Promoting Financial Stability

The benefits of this rider are paid directly to you or your family, helping to relieve the financial impact of sudden accidents or dismemberment.

  • The lump-sum benefit could cover medical expenses, rehab costs, and offset loss of income
  • It ensures financial stability for your family during a critical period
  • The benefit payout is separate and in addition to the regular life insurance death benefits


Family discussing finances and how they could be impacted by an accident.


Summing Up the Accidental Death Life Insurance Policy

While taking care of your family after your demise is crucial, it is just as important to secure their financial wellbeing during unexpected life events.

At Specialty Life, we encourage adopting a holistic approach to insurance coverage. This includes considering valuable additions such as the Accidental Death and Dismemberment rider to your term life insurance plan.



Get Ahead with Specialty Life!

Accidents and dismemberment can seriously disrupt your family's financial stability. Strategically, selecting a life insurance policy featuring the AD&D rider can be a financial lifesaver.

At Specialty Life, we know the trials these unexpected events can cause and pledge to help protect you and your family throughout life’s unforeseeable circumstances. Our commitment to affordability, simplicity, and transparency guarantees top-tier service and support throughout your journey with us.

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Even though it's a tough topic to talk about, death is something we can't avoid. Hence, as the saying goes, preparation is the key to success. This includes understanding your life insurance policy, specifically asking, "does life insurance include accidental death?"

In this post, we answer this question and explore Specialty Life's insurance offerings, focusing on accidental death coverage to help you better understand and plan your coverage.

Does Your Life Insurance Include Accidental Death?

While it's true that many life insurance policies already incorporate a degree of coverage for accidental death, it's crucial to recognize that the level of protection can distinctively vary from one plan to another.

Specialty Life offers you the option to get Accidental Death & Dismemberment (AD&D) Plans as either a standalone product, or rider to extend your coverage. This mean you get further customization for your policy.

Why Add Accidental Death Plan as Rider?

By choosing to integrate AD&D coverage as a rider in your policy, you get added benefits in the unfortunate event of your accidental death or if you were to lose a limb or senses like sight or hearing as a result of an accident. This means that your existing life insurance policy can be tailored to your specific needs and preferences, helping ensure that you're covered comprehensively for such misfortunate incidents.

This customization enables you to feel more secure, knowing that the policy not only fits within your budget but also achieves the right balance of coverage to meet your family's potential needs.


Family resting easy thanks to their life insurance and accidental death coverage from Specialty Life


The Importance of Accidental Death Insurance

While term life insurance plays a vital role in providing peace of mind, by combining term life insurance with an Accidental Death and Dismemberment (AD&D) Plan, you provide more holistic and comprehensive coverage for your family. Below, we've listed some key reasons why this addition is important:

  • Expanded coverage: Accidents can occur without warning, the additional coverage an AD&D plan provides can ensure that your family has financial support in the event of your accidental death or dismemberment.
  • Financial stability: The financial compensation from an AD&D plan can help your family handle expenses, such as funeral costs or medical charges, reducing financial stress during a difficult time.
  • Peace of mind: Knowing that your family has an added layer of financial protection in case of an accident can provide peace of mind.
  • Affordability: Adding AD&D as a rider to a life insurance policy is typically more affordable than purchasing it as a standalone plan.

At the end of the day, accidents are unpredictable. The added protection of an AD&D plan ensures your family's financial stability amidst such unforeseen events.


A mom carefully reading paper with her children. Accidental death coverage offers an added layer of protection, so you can enjoy life's moments with less worry.


Grasping Accidental Death & Dismemberment Plans

An AD&D plan functions similarly to life insurance when a death arises from an accident. However, it diverges from conventional coverage in that benefits are also disbursed if you lose a limb or sensory function due to an accident.

Moreover, when added as a rider to a life insurance policy, AD&D coverage offers an affordable, easy-to-access protection for Canadian residents aged 18-69. It's a valuable addition to life insurance, providing an added layer of peace of mind.


A woman reading about Accidental Death & Dismemberment plans to fortify her family's financial safety net.


What Sets Accidental Death & Dismemberment Plans Apart?

Our AD&D Plans go beyond the usual, offering robust coverage that comes with added benefits like rehabilitation, bereavement, and daycare benefits. Customer satisfaction is of utmost importance to us, hence the 30-day money-back guarantee that accompanies all our AD&D Plans.

What Does AD&D Cover?

An Accidental Death & Dismemberment plan from Specialty Life is more than extra financial security in the event of death or dismemberment caused by an accident. Our plan also offers various additional coverages for specific debilitating conditions. Here are the coverage details:

  • Loss of sight, hearing, speech, or limbs: If a covered accident results in the loss of sight, hearing, speech, or a limb, the policy provides financial compensation. The degree of compensation can vary depending on the severity and combination of losses.
  • Paralysis, coma, severe burns: Catastrophic injuries such as paralysis, entering a coma, or suffering severe burns due to an accident are also covered. Hence, financial assistance is provided to aid recovery and rehabilitation.
  • Brain Death: Our AD&D Plan takes care of your family even in extreme circumstances, such as brain death resulting from an accident.
  • Loss of use of limbs or senses: If an accident doesn't result in outright loss but substantially impedes the normal functioning of a limb or sense, the policy provides a payout. These could range from not being able to move a limb to significantly reduced vision or hearing capacity.
  • Quadriplegia, Paraplegia, Hemiplegia: The plan includes benefits if an accident leads to quadriplegia (paralysis of all four limbs), paraplegia (paralysis of the lower body), or hemiplegia (paralysis of one side of the body).

By covering broad conditions under its plan, our AD&D coverage acts as a significant safety net against life's unpredictability, providing a broad shield of protection for you and your loved ones.


A woman realizing the wide-ranging coverage offered by an AD&D plan.

Life Insurance Plus AD&D: Assuring Comprehensive Protection

When you add an Accidental Death and Dismemberment plan to your term life insurance, you equip your family with an all-encompassing protective coverage against unexpected events. This comprehensive shield ensures your loved ones' financial stability, granting you added peace of mind.

Family holding hands with the peace of mind that only comprehensive coverage can provide.



While a traditional life insurance policy provides a financial safety net for your family, incorporating an Accidental Death and Dismemberment (AD&D) plan within your existing coverage can enhance this protection, creating a powerful safeguard for unexpected and tragic events.

Above all, we encourage you to remember the significant role life insurance plays in a solid financial plan - protecting your loved ones from the financial repercussions of unexpected life events. With the addition of an AD&D rider, you're not just protecting their present, but also securing their future.



Strengthen Your Life Protection Today

While we may not be able to predict life's accidents, with AD&D coverage as part of your life insurance plan, you can provide your family with an extra layer of safety.

Consider fortifying your family's financial safety net today. Our team at Specialty Life is here to help you every step of the way, ensuring you obtain personalized, robust, and affordable coverage that aligns with your budget and financial goals.


As you begin to think about how to secure your and your family's financial future, choosing the right AD&D plan to add to your life insurance policy might be one of your foremost considerations. Selecting an AD&D plan can be a bit complicated, but don't worry, we're here to help you.

Today, we’ll dig deeper into what AD&D plans entail, how they work, and how to choose one as a complement to your existing life insurance coverage. With this important information, you can make a confident decision to enhance your overall protection.

Ready? Let's start!

Understanding AD&D Plans & Their Benefits

Accidental Death and Dismemberment plans are created to offer extra protection during sudden unfortunate events. They provide coverage for accidental death and certain losses resulting from an accident.

Despite your existing life insurance, adding an AD&D rider can be a good decision. With Specialty Life's AD&D rider, you can acquire instant protection through our simple online insurance protection application. Hassle-free, fast, and without any medical exams.

Our AD&D rider offers $250,000 of instant coverage. Furthermore, it gives extra protection for 23 debilitating conditions and benefits like rehab care, grief support, and daycare assistance.

AD&D Riders as Flexible, Cost-Effective Supplements

An excellent AD&D rider is flexible, adapting to changes in lifestyles and needs.

Adding an AD&D rider to your existing life insurance rather than getting a standalone coverage can be cost-effective. It provides extra protection at a minimal cost, bringing peace of mind and assurance for your loved ones.

Individual evaluating various AD&D plan options.

Adding an AD&D Rider to Enhance Financial Security

An AD&D rider is an added layer of protection in your financial safety net, supplementing your existing life insurance coverage.

This affordable addon to your life insurance policy can offer extensive benefits, reinforcing financial stability for your family without straining your budget.

Couple discussing the role of their AD&D plan in their financial plans.

Affordable, Effective Coverage (aka AD&D Rider)

If you already have life insurance, adding an AD&D rider can expand your protection. This combined setup offers broader coverage for you and your family.

With Specialty Life's AD&D rider, you can expect advantages like:

  • Spousal Occupation Training Benefit: Coverage for formal occupation training for your spouse in case of an unexpected accident.
  • Home Alterations & Vehicle Modifications: One-time payments for home or vehicle modifications for accessibility following a covered injury.
  • Exposure & Disappearance Benefit: Payout in case of death from unavoidable exposure or in case of disappearance and body not found.
  • And More!

Confident woman with the knowledge that her AD&D plan provides comprehensive protection.

In conclusion, adding an Accidental Death and Dismemberment rider to your life insurance policy can offer extensive coverage and peace of mind. Understanding your needs and comparing plans can lead you to the perfect fit for your unique situation.

Why wait to add an extra layer of protection to your life insurance plan? Start the process today!

Choosing the Right AD&D Plan That Matches Your Needs

Acquiring additional financial protection is easier than you think. With Specialty Life's Accidental Death and Dismemberment plan, you can enhance your coverage without any medical exams being required.

Secure your financial future by addition of our AD&D Rider!


Considering the unpredictability of life, are you pondering about your family's financial future in the event of a horrendous accident or restricting disability? It's an unwelcome thought, reminding us about the prime importance of an Accidental Death and Dismemberment (AD&D) Plan.

This blog examines the necessity of securing an AD&D plan along with the peace of mind and essential financial lifeline it offers during unexpected occurrences.

Understanding the Importance of an Accidental Death & Dismemberment Plan

An AD&D Plan, a distinct protection, offers you coverage if an accident results in severe injuries or death. Such impairments might include loss of sight, hearing, speech, or a limb. Thus, it guarantees that you or your dependants have immediate financial support during such challenging times.

What's more, with a policy from Specialty Life, you get a plan that guarantees acceptance for any Canadians aged 18-69, regardless of health status, with no need for medical exams or health questions. A quick, easy, and simple way to gain financial protection is what makes the AD&D plan an ideal solution for many Canadians.

Spouse considering an Accidental Death and Dismemberment Plan for their family's protection.

Advantages of Opting for an AD&D Plan

An AD&D Plan is much more than just a lump sum in the event of accidental death or dismemberment. It is a comprehensive package that caters to the varying needs of Canadian families. The plan includes additional protection for 23 debilitating conditions and even goes beyond with extra benefits like rehabilitation, bereavement, and childcare services!

You can obtain immediate coverage up to $250,000 without stepping out of the house when you opt for Specialty Life. Such convenience makes this protection a safety net you and your family cannot afford to ignore.

  • Immediate Coverage: With the Specialty Life AD&D plan, you can get instant coverage up to $250,000 without stepping foot outside your house.
  • Additional Protection: The AD&D plan goes above and beyond, offering protection for 23 debilitating conditions.
  • Extra Benefits: Not just financial support, our AD&D plan also caters to rehabilitation, bereavement, and childcare services, providing all-round support to your family during tough times.

Mother looking into Accidental Death and Dismemberment plans online, seeking childcare benefits for her minor.

Embracing the Future with an AD&D Plan

In the event of unprecedented life changes like a significant injury, an AD&D plan offers you peace of mind with its assurance of financial security for you and your family. The difference between devastation and financial stability can hinge on a solid AD&D policy.

These policies provide tremendous comfort, knowing that immediate funds will be available to you or your loved ones if a tragic accident or loss occurs. These funds can offset unexpected costs or an income gap, helping to manage lifestyle adjustments.

  • Financial Security: In case of a significant injury or the worst-case scenario, death, an AD&D plan offers full financial security for you and your family.
  • Offsetting Costs: Immediate funds from the plan can help offset unexpected costs or replaces lost income, helping your family adjust during such heavy times.
  • Lifestyle Changes: The compensation from the plan can help afford needed lifestyle changes, often a result of major accidental injuries.

A tradesman at his risky job, confident with his secured future through an AD&D plan.

The Ease of Access to an Accidental Death & Dismemberment Plan

The whole process of securing an Accidental Death and Dismemberment plan is simplified to ensure widespread accessibility. The procedure is as simple as an easy online application, with no medical exams or health questions, making it fast and uncomplicated.

Reduced waiting times due to instant online coverage offer you immediate assurance of the protection net. The process thus ensures a stress-free customer experience.

  • Easy Online Application: Securing an AD&D plan is as simple as filling out a straightforward online application.
  • No Medical Examination: The application process does not require any medical exams or health questions, ensuring a quick and painless experience.
  • Instant Coverage: With reduced waiting times due to immediate online coverage, you can be sure of your protection net at soonest.

A woman applying online for an Accidental Death and Dismemberment plan.

Securing Peace of Mind with an AD&D Plan

The peace of mind an AD&D plan offers is invaluable. The assurance of stable finances in case a tragedy strikes can not only ease worries but also allows for better concentration on recovery and restoration.

free of the fear of an overwhelming financial strain, the path to recovery can be smoother, and the healing process faster for you and your family.

  • Peace of Mind: An AD&D plan offers invaluable peace of mind knowing your family's financial stability is assured, if tragedy strikes.
  • Better Recovery: With no fear of overwhelming financial burden, families can focus on recovery and healing in dire situations.
  • Less Stress: By ensuring financial security, this plan helps in reducing stress which directly contributes to faster healing and smoother recovery.

A peaceful father and son, reassured about their financial future with their AD&D plan.


In conclusion, it's crucial to secure an Accidental Death and Dismemberment plan. It is vital in safeguarding your family and income in case a crippling accident occurs. Not only does this plan act as a safety net but also offers immediate financial protection. It serves as a guiding light amidst the storm for you and your loved ones.

So, if you're still questioning, "Why do I need an Accidental Death and Dismemberment plan?" remember that your journey to financial security begins with understanding the value of an AD&D plan. Take the necessary measures to protect your family today.

Comprehend the Value of an AD&D Plan Today

Choosing an AD&D plan implies choosing certainty. It signifies immediate financial security for you and your loved ones. In a world evolving rapidly filled with unknowns, Specialty Life Insurance aims to provide you with the assurance you need.

We believe in financial protection and peace of mind for everyone. Safeguard your future and cater to your potential family needs today.

Gain The Financial Stability You Need Now!


Uncertainty is a part of life, making it essential to build a safety net. Consider Accidental Death & Dismemberment (AD&D) coverage by Specialty Life as part of this net to secure you and your loved ones. Accessible to all Canadian residents, it offers immediate protection.

Here's how our AD&D plans add value to your existing life insurance policy, providing you with even more assurance.

Understanding Accidental Death & Dismemberment Plans

AD&D insurance offers financial security if the policyholder suffers an accidental death or major injury. This coverage gives the needed financial help during sudden, life-altering changes.

  • Our AD&D Rider provides $250,000 coverage, easily obtainable online for instant protection.
  • Any Canadian resident aged 18-69 can avail it, regardless of health history.
  • No need for medical exams or health quizzes, ensuring a fast application process.
  • The plan covers 23 kinds of severe conditions, offering broad protection.
  • Other benefits include help with rehabilitation, bereavement, and day-care.
  • If you're unhappy with the plan within 30 days, we'll refund the full amount, valuing our customer's satisfaction.

Our AD&D rider, designed by Specialty Life, values simplicity, affordability, instant protection, tailored service, access, openness, and novelty.

Canadian woman securing her future with AD&D coverage online through simple application.

Trustworthy Protection For Your Safety

Our Accidental Death & Dismemberment rider covers you up to the age of 75 for up to $250,000. It also provides extra benefits for specific severe conditions like:

  • Complete loss of sight in both eyes
  • Partial or Complete Loss of Limb
  • Loss of speech and hearing in both ears
  • Brain death
  • And more

Complete Protection With Extra Perks

This AD&D rider comes with bonus features like the return home benefit, day care benefit, spouse job training benefit, and home modifications & vehicle adjustments benefit.

Close-up of a person reviewing AD&D policy details

Specialty Life: Your Dependable Insurance Partner

We at Specialty Life stress simplicity, affordability, immediate coverage, and availability. Keeping these in mind, we offer cost-effective, open protection options with immediate coverage. We're here to serve you whenever required.

Man understanding why he needed AD&D coverage


In conclusion, adding an AD&D rider to your life insurance increases your financial safety net. It assures acceptance and offers comprehensive benefits, providing crucial support in tough times.

Understanding AD&D protection helps enhance your family's financial security.

Ensure Your Family's Future with Accidental Death and Dismemberment Plans by Specialty Life

If you want to provide extensive financial protection to your family, consider adding an AD&D rider to your life insurance policy from Specialty Life. Secure your loved ones' financial needs, even during life's unexpected twists and turns.

Main Advantages:

  • Immediate Acceptance: No worries about rejections due to past or present health conditions. Any Canadian resident between ages 18-69 can avail instantly.
  • No-Paper, Swift Enrollment: Our fast, clear, online application process requires no health check or medical history. Your policy activates immediately after application.
  • Extra Protection: Besides primary coverage, our plan protects against 23 kinds of severe injuries, including loss of sight, hearing, and more.
  • More Benefits: Our AD&D rider gives extra benefits, such as day care, rehabilitation, and bereavement benefits.
  • Customer Satisfaction: If you're not satisfied with your plan within 30 days, we'll provide a full refund.

Choose our AD&D rider to supplement your life insurance policy, fortify your family's future, and experience peace from knowing they'll be economically secure in case of sudden mishaps.

Secure your family's financial future, starting now!


An unforeseen accident can occur at any moment — especially for those working in risky professions. With that said, the financial impact of such events can be cushioned with smart insurance coverage choices, like Accidental Death and Dismemberment (AD&D) coverage. Let's delve into this topic.

In this post, we'll explain how AD&D coverage offers assurance against the financial hardship of accidental death or loss of limb, speech, and senses, benefiting people of all ages in Canada.

Demystifying Accidental Death & Dismemberment (AD&D) Coverage

Every major decision in life comes with risks, and insurance is a way to ensure safety against those risks. While we all wish never to use it, insurance coverage provides a safety net that keeps us prepared for any eventualities.

AD&D insurance is an integral part of complete coverage. It offers financial aid during fatal or dismemberment accidents. Broadly, dismemberment refers to loss of body parts or functions such as limbs, hearing, speech, and vision.

Who Benefits Most from AD&D Coverage?

Almost anyone can benefit from an Accidental Death and Dismemberment (AD&D) plan, but it can be particularly beneficial for:

  • Individuals with high-risk jobs: People who work in industries such as construction, mining, and other high-risk jobs where there is a higher likelihood of accidents occurring can benefit greatly from an AD&D plan.
  • Young families: If you have dependents, an AD&D policy can provide financial support for them in the event of an accident. This cover can help assure that your family will be financially secure if an accident leaves you unable to work or results in your death.
  • People whose future earning potential would be greatly affected by phyical disability or dismemberment: If you work in a field where a potential accident would greatly hinder your job or earning ability, AD&D is for you!

Who's Eligible?

This policy is available to most Canadians. In short, if you are aged between 18-69 and live in Canada, you are eligible for this coverage. Moreover, your protection remains in place until you turn 75, providing benefits up to a maximum coverage amount of $250,000.

Couple discussing their Accidental Death and Dismemberment coverage eligibility with an agent online.

Why Choose Accidental Death and Dismemberment Coverage?

This form of insurance holds several unique perks. It's an appealing choice for many due to prominent features like:

Assured Acceptance

Our Accidental Death and Dismemberment Plan guarantees instant approval for all Canadian residents aged between 18 and 69, up to $250,000. Plus, existing health conditions don't affect your eligibility.

Inclusive Coverage

AD&D policies cater to a large array of accidents. Typically, they offer relief after devastating accidents causing lifestyle or ability changes, like loss of limbs.

Affordable Plans

Compared to life insurance, AD&D coverage is more economical. It covers specific circumstances, namely accidents leading to injury, dismemberment, or death.

A young Canadian family making budget plans for their Accidental Death and Dismemberment coverage.

No Health-checks, No Quizzes

Our plan makes sure nothing stalls your protection. Once eligible, there's no health status checking or long-form filling. You can get the coverage you need without any hurdles.

Purchase Online Instantly

Our processes are seamless and immediate. We strive to provide a quick application method without cumbersome paperwork or waiting periods. You can get same-day approvals right from the comfort of your home.

Money-back Guarantee

We fully stand behind our Accidental Death and Dismemberment Plan. But if you're unsatisfied with your coverage within 30 days, we promise a full refund.

Canadian couple discussing the benefits of Accidental Death and Dismemberment coverage.

A Closer Look at Bonus Benefits

This plan is unique because it includes several bonus benefits. Here are some, you will find:

  • Rehabilitation Benefit: It covers two years of rehabilitation costs following an accident.
  • Repatriation Benefit: If you die more than 150 km from home, the costs of returning your remains will be borne.
  • Day Care Benefit: Should you die, day care expenses for your under-12 dependent children will be managed.
  • Spousal Occupation Training Benefit: After your death, it sponsors occupational training for your spouse.
  • Home Alteration and Vehicle Modification Benefit: This offers a one-time allowance for making homes wheelchair-accessible and modifying vehicles.
  • Exposure & Disappearance Benefit: If you die due to unavoidable exposure to elements, this benefit is paid. Even if you disappear under specific conditions and your body isn't found within a year, this benefit is still distributed.

A secured woman reviewing her Accidental Death and Dismemberment coverage benefits.

Summing Up

Choosing an insurance plan is not something to be taken lightly. Accidental Death and Dismemberment coverage can provide you and your family with crucial financial aid when encountering a severe accident or, ultimately, death. Its unique set of benefits makes it an excellent choice for many Canadians.

Remember, it's crucial to deliberate thoroughly, taking into account your personal situation and lifestyle. If you or your spouse work in a physical or high-risk profession, AD&D Insurance could be a wise investment. Moreover, the affordability and range of protections offered by this policy make it an important addition to your overall coverage plan.


Planning for a Secure Future?

The unexpected happens without warning. Ensure your loved ones' future safety by enrolling in our Accidental Death and Dismemberment Plan. No health questions asked, no long forms filled — just immediate online insurance.

Secure your Future with COMPLETE Protection!


Accidents happen – even to the most diligent among us.

When an accident results in death or serious injury, too many overlook the major consequences unexpected fees can have on the financial well-being of your dependants.

Whether from the loss of your income, the loss of your loved one’s income to act as your caregiver, the cost to retrofit your home for your new circumstance, or the inheritance of debt, many families simply don’t have a plan to ensure financial stability should the worst happen.

This is where our Accidental Death & Dismemberment insurance plan comes in.

Consider this infographic as your introduction to Accidental Death & Dismemberment Insurance (AD&D). We’ll answer: what it is, what gets covered, and if this is the plan that’s best for you!


What is accidental death and dismemberment insurance? (infographic)

What is covered with accidental death and dismemberment insurance? (infographic)

What does accidental death and dismemberment plan feature? (infographic)

After years of hard work and dedication, it is finally almost here – your retirement. But, before you finally cross that finish line and are free to relax and enjoy spending more time with your friends and family, there are some valuable financial moves you should be making when planning for retirement. So, let’s take a closer look at some helpful tips to make sure you are financially ready to retire. (more…)

Whereas practically no one can predict a severe illness or accident, there is a group of people that counts on the probability of suffering a potentially fatal accident throughout adult life: workers in dangerous occupations.

No one enjoys thinking about their mortality, but, unfortunately, those who work in high-risk jobs must prepare for any eventuality, at least financially.

Within federal, provincial, and territorial occupational health and safety legislation, all Canadian workers have some level of workplace protection. Nonetheless, this is not the same for injury compensation insurance. Even nowadays, many workers in Canada are not covered by compensation boards, which means that, if something tragic happens, uncovered workers and their respective families will have to deal with the consequences with little help.

And tragic accidents do happen.

Every year, around 1000 workers die in Canadian workplaces. Regardless of the health and safety measures that companies apply, there is still lots of room for disastrous incidents to happen. From hazardous work conditions to debilitating social environments, many factors can put someone's health and life at risk.

A few years ago, Adzuna, a search engine for job advertisements, conducted a study taking a closer look at Canada’s most risky jobs. As the research revealed, even with technological advances and stricter health and safety regulations, there are many industries where the risks to workers are still remarkably high.

To protect their families and loved ones, these workers often consider applying for an insurance plan that can guarantee their financial independence and security. At Speciality Life Insurance, we have the right solution for these cases: Accidental Death and Dismemberment insurance.

What is Accidental Death Insurance?

Accidental Death is, very often, a clause or rider connected to a life insurance policy. It refers to a payment due to the beneficiary of an Accidental Death insurance policy, and it is, generally, paid in addition to the standard benefit. However, many insurance companies also sell this product separately. That is the case of Specialty Life Insurance. We offer an Accidental Death and Dismemberment insurance plan that provides coverage up to $250,000, with no medical exams or health questionnaires required.

As the name suggests, this policy pays benefits in the case of a person’s accidental death or dismemberment - which is the loss of body parts or functions. It covers exceptional circumstances, such as traffic accidents, falls, drowning, and accidents involving heavy equipment or hazardous materials. This means that if you lose your life or ability to work while on the job, you can receive up to 200% of the principal sum amount, depending on the occurrence.

The most dangerous and deadliest jobs in Canada

While some jobs are reasonably safe, others represent a vast and continuing risk to workers’ health and life. According to AWCBC (Association of Workers’ Compensation Boards of Canada), based on total fatalities, Canada’s most dangerous industries are quite varied and can present, at times, up to five fatalities on the job per workday.

Contrary to common belief, firefighters and police officers are relatively secure in terms of workplace hazards compared to industries like mining, commercial fishing, or construction.

If your professional life is connected to any of the industries we are going to mention below, we strongly recommend considering an Accidental Death insurance plan. Assuming that your job carries a lot of risks (and potentially fatal ones), there is nothing like ensuring your family’s peace of mind and economic security by getting an insurance policy.

Mining and quarrying workers.

Mining is one of the most dangerous jobs in the world, accounting for over 12,000 deaths each year. With falls of ground and rock bursts occurring frequently, the mining and quarrying workers are often at risk. Besides, as underground mines become older and deeper, they are generally more prone to disastrous incidents.

Considering that in Ontario only mines are operating at depths approaching 3,000 meters, it is easy to assume that the risks are immensely high in a country like Canada. Mining environments are tough settings to work in, and the risks aren’t only physical - they are also ergonomic and psychological. From asphyxiation to stress and depression, the likelihood of facing physical and mental health problems in this sector is immense.

  • Median annual wage: $85,722 per year.

Construction and ground maintenance workers.

As one can imagine, construction zones can be particularly hazardous work environments, especially in a country with harsh weather conditions like Canada. Working in the construction of buildings, bridges, and city infrastructure isn’t for the faint of heart. But even the most courageous and careful workers are constantly at risk in this sector.

Getting struck by objects and materials, being exposed to the elements, air contaminants and fires, and handling heavy machinery, tools, and equipment, are some of the main dangers workers face daily. But here’s another significant threat that is not adequately recognized: in the construction industry, workplace violence is a huge problem, counting as one of the biggest causes of injuries at work. This also has a significant impact on the worker’s mental health, increasing their chances of developing chronic stress, anxiety, and even depression.

  • Median annual wage: $39,975 per year.

Iron and Steelworkers.

Iron and steel workers handle dangerous equipment on a daily basis, but, in the profession, the real killer is high heights. These workers usually work on skyscrapers, city buildings, and bridges, raising, placing, and uniting iron or steel columns and trusses. This makes any fall, slip, or trip potentially deadly.

Besides that, iron and steel workers are also at risk of suffering non-fatal injuries that can hurt them for long periods or even indefinitely, like burns, muscle strain, and even dismemberment. Many studies have found that those who work with iron and steel show a significantly increased risk of lung cancer. This is mainly due to the chemicals (like uranium, arsenic, or asbestos) and airborne toxins frequently present in work environments.

  • Median annual wage: $62,839 per year.

Air pilots, navigators and flight engineers.

While major airline pilots have low job fatality rates, practically any other flight and air professional face health risks and a high probability of fatal accidents.
Flying new planes or those recently repaired can be perilous for test pilots, especially if we consider the influence of adverse weather conditions.

Helicopter pilots also face many risks, mainly when they perform rescue missions, while engineers face daily exposure to hazardous chemicals and dangerous materials. Finally, the psychological effects can also be substantial. Pilots, navigators and flight engineers have erratic schedules and are usually away from their homes and families for extended periods of time, which can lead to loneliness and, in some cases, depression.

  • Median annual wage: between $65,000 – $85,000 per year.

Logging & forestry workers.

Canada has a proud lumberjack tradition. However, not many people are aware of how the work of a lumberjack can be extremely demanding and potentially dangerous. Falling trees, adverse weather conditions, heavy equipment, dangerous environment… These are some of the risks that loggers and forestry workers face every day, both in the woods and in the workshops.

However, one of the biggest problems relies on the fact that these jobs generally take place in isolated locations, far away from hospitals. As a result, when a severe accident occurs, workers face even higher risks of developing an untreatable injury or even dying.
Even though the industry is becoming safer, there is no way around this: logging and forestry is a dangerous career choice.

  • Median annual wage: $54,600 per year.

Commercial fishers.

Hostile marine environment, bad weather conditions, malfunctioning gear, injuries from fish spines or bacteria, and even drowning… No wonder the fishing industry has one the highest incidence of workplace fatalities!

According to the Senate Committee on Fisheries and Oceans, the commercial fishing industry has the highest death rate out of any other employment sector in Canada. But there are other risks to consider. Fatigue from long hours of work and night shifts, lack of food and kitchen hygiene, and loneliness are other significant health issues in the fishing industry.

  • Median annual wage: $27,085 per year.

Truck drivers.

Exhaustion from long hauls, bad weather and road conditions, and maneuvering large loads that can become unbalanced are just some of the dangers faced by truckers. According to the Canadian Automobile Association (CAA), more than 100 tow-truck drivers in North America die each year on the job. But non-fatal injuries are also quite common, especially musculoskeletal ones. In fact, Peripheral Arterial Disease, caused by a blockage in blood vessels around the body, is commonly known among workers as the Trucker’s Leg.

But there is more. The loneliness, lack of exercise, sleep, and healthy eating that truck drivers face, also potentiates their chances of getting depression, hypertension, diabetes, obesity, and even suffering a stroke.

  • Median annual wage: $49,854 per year.

Farmers and Ranchers.

Farming seems, for most people, like a hard and yet peaceful occupation. Nonetheless, this is far from the truth. Nowadays, modern farming practices generally involve the heavy use of motorized vehicles. As a result, many fatal injuries occur while operating these vehicles and machinery.

But that’s not all. Farming situations present many respiratory hazards to workers, which often leads to severe respiratory diseases, such as chronic bronchitis, asthma, and permanent lung damage. Skin disorders and hearing loss are also two common problems, affecting mainly those exposed to grain dust. Nonetheless, chemical toxicity and accidents related to machinery are the most dangerous risks associated with farm working.

  • Median annual wage: $34,563 per year.

Pipefitters and commercial plumbing.

Pipefitters, plumbers, and steamfitters have one of the highest rates of injuries and illnesses of all occupations in Canada. Exposure and proximity to substances like lead, sulphur dioxide, adhesives, and solvents, not to mention flammable products, is one of the risks these workers face on a daily basis.

Besides, working in confined spaces and in awkward positions also potentiates their chances of getting musculoskeletal injuries, burns, and eye injuries. For some, exposure to sewage and contaminated soil can also cause severe health problems, such as infections by E. coli, parasites, hepatitis, and tetanus.

  • Median annual wage: $64,350 per year.

Garbage and Recycling Collectors.

Garbage and recycling collection is a much more dangerous job than most people realize. In fact, it is one of the top five most dangerous jobs in America, surpassing farmworkers, steelworkers, and powerline installers.

In addition to working with big and dangerous machines, these workers are also exposed to the risks posed by hazardous materials and traffic accidents caused by fatigue - it is essential to keep in mind that commercial drivers often start their route before 2 a.m.
Injuries from broken glass, used needles, nails from construction sites, and many other waste items, are quite common. Still, being struck by a vehicle remains the leading cause of fatalities in the industry.

  • Median annual wage: $31,200 per year.

Our Accidental Death Insurance plan can help you!

Willingly or not, many people end up in jobs that continuously put their safety in peril. If this is your case, don’t underestimate the need to purchase a policy. Investing in an Accidental Death Insurance plan is the best way to protect you and your loved ones if something happens to you at work.

Qualifying for our Accidental Death and Dismemberment insurance is quite easy: you only need to be a permanent Canadian resident between the ages of 18 to 69. As already stated, you don’t have to go through medical exams or questionnaires to receive the insurance you need. Even if you had or are currently facing health issues, you can easily apply for this plan.

If you have any doubts regarding this policy or any other that Speciality Life Insurance offers, don’t hesitate to get in touch with us. Our specialized team will be delighted to walk you through the process of buying insurance and prepare a quote for you.