Accidental Death and Dismemberment Insurance

In Canada, accidents are a leading cause of death for people of all ages.*

A serious injury or the accidental death of a wage earner can have tremendous consequences, even for a two-income family. Without sufficient financial resources, employees may not be able to afford the care they or their loved ones may require. Home mortgage payments, college education funds and retirement savings may all be jeopardized if money is not available to help provide for employees and their families’ needs.

With Accidental Death & Dismemberment (AD&D) Insurance from AIG, companies have an excellent solution that can help reduce employee benefit costs, expand benefit packages and demonstrate their commitment to employees. Our employer-funded program helps control costs for companies seeking affordable benefit alternatives and enables businesses to offer their employees valuable 24-hour accident coverage, on or off the job.

* “Leading causes of death, total population, by age group,” Statistics Canada,

Features & Benefits

  • Employer-paid AD&D coverage for employees on or off the job, 24 hours a day, 365 days a year, worldwide
  • Helps businesses address competitive pressures for stronger benefit packages to attract and retain talented employees
  • Available as a “carve-out” program to a standard group life insurance program, allowing for broader AD&D coverage for employees while helping businesses control costs
  • Designed for easy, cost-effective setup and administration
  • Offers remarkable flexibility to tailor to employee needs through a broad range of additional benefit options
  • Benefits are payable in addition to any other insurance that may be in effect at the time of the accident
  • Program is enhanced with 24/7 travel assistance services provided by AIG’s wholly-owned assistance company


  • Accidental Death and Dismemberment (AD&D)
  • Permanent and Total Disability
  • Home Alteration and Vehicle Modification
  • Workplace Modification and Accommodation
  • Day Care
  • In-Hospital
  • Repatriation
  • Rehabilitation
  • Spouse & Dependent Child Educational Benefit