Voluntary Accidental Death and Dismemberment Insurance (VAD&D) is a financial protection plan that provides a beneficiary with cash in the event that the policyholder is accidentally killed or loses a specific body part. It is a limited form of life insurance and is generally less expensive than a full life insurance policy. Voluntary AD&D is an optional benefit offered by some employers, and premiums are based on the amount of coverage purchased. Most policies are renewed periodically with revised terms, although the clients consent with renewal is often implicitly assumed.

Voluntary group accidental death and dismemberment (AD&D) insurance is a simple way for employees to supplement their life insurance coverage with additional protection if they or a family member dies or is dismembered as a result of a covered accident. Adding a voluntary group AD&D insurance plan to existing employee benefit packages is something employees are demanding. For employers, group AD&D is an easy benefit to administer and can add significant value to a comprehensive employee benefits program at a low cost.

With Voluntary AD&D coverage, the policyholder or their beneficiaries may receive an AD&D insurance benefit in the event of death or dismemberment as a result of a covered accident. The advantages of Voluntary AD&D insurance include choice, flexibility, convenience, and peace of mind. The amount of coverage needed can be chosen from the range of amounts available, and if the policyholders needs change, they may request to change the amount of coverage. Premiums are deducted directly from the policyholders paycheck, so they dont have to worry about mailing monthly payments. However, it is important to note that Voluntary AD&D insurance does not cover all death or injury-related circumstances.