Group Accidental Death & Dismemberment Insurance

Business Travel Accident Insurance: An inexpensive policy that covers employees while traveling on behalf of  the company. Coverage is available for Business Travel only or 24 hour Business and Pleasure. Many enhancements are available.*

Basic Accidental Death and Dismemberment Insurance: This policy separates the Accidental Death and Dismemberment Insurance from the Group Term Life policy. This policy usually has a broader range of coverage, many enhancements, usually a lower premium for the policyholder and bigger commissions than typically found if attached to the Group Life contract.*

Voluntary Accidental Death & Dismemberment Insurance: A valuable yet inexpensive addition to an Employee Benefit Plan. This Accidental Death & Dismemberment coverage is offered to the employees and their dependents through the convenience of payroll deduction. Flexible plan design and many enhancements are available.*

Hazardous or Unusual Risks: Accidental Death & Dismemberment Insurance available to Individuals or Groups on Offshore Oil Rigs, Oil and Gas Exploration Drilling Companies, Land or Underwater Demolition Companies. Accidental Death & Dismemberment coverage is available for test pilots, balloonists, Employees or Groups traveling to war risk, war zone areas or other areas of conflict. Coverage is available for most unique or unusual occupations.**

Short Term Trips: Provides AD&D insurance along with Travel Assistance for employer groups whose employees are traveling together or assigned away from home for a period of time.

Common Carrier Coverage: Accidental Death & Dismemberment insurance for passengers traveling in a commercial, chartered, or leased aircraft and other public conveyances.

Kidnap and Ransom:  This product is especially valuable to employers who have employees traveling internationally to high risk areas.  Policies can cover things such as ransom payment, loss of income and the services of a security / crisis management firm.  Both individual and corporate exposures can be covered.**

On Premise Terrorism: This product provides an employee with an accidental death benefit in the event of a terrorist act on the employer’s premise or for bomb scare events only.  Up to $50 million of aggregate coverage is available for locations worldwide.  This product can be written as stand alone coverage that compliments Basic AD&D or Business Travel Accident.**

* These products are issued under Nationwide Life Insurance Company

** These coverages may be available only on an Excess and Surplus lines basis only.

Coverages are not available in all States and Jurisdictions. Contact StarLine Group for a list of exclusions.