Accident Protection (AD&D)

Accident Insurance will Protect Those They Love Against the Unexpected
Accidents can happen to anyone at any time, and many times they cause financial hardship for those left behind or left disabled.

The Gerber Life Accident Insurance Plan provides financial protection against accidental death or a covered disabling injury 24 hours a day. Clients can select from $50,000 to $500,000 in accidental death protection. Should the unexpected occur, the valuable cash benefit can be used to help pay for out-of-pocket medical costs, lost wages or other expenses, thereby helping them to provide an important level of security for their loved ones.

Approval Is Guaranteed

  • Completing the application is fast and easy. If your clients are 18 to 69 years old, they are pre-approved. No physical exam is required and there are no health questions to answer. Eligibility is without regard to health, occupation or anything else.

Optional Spouse and Children Coverage 

  • Spouses and children are both guaranteed approval for the Gerber Life Accident Insurance Plan. The children’s benefit is limited to $25,000 for all policies combined.

Rates Are Guaranteed to Never Increase!

  • As long as premiums are paid, benefits can never be reduced and the monthly premium is guaranteed to never increase.


Issue Ages: 18-69
Face Amounts: $50,000 -> $500,000

Note: Issue ages, face amounts and optional coverage vary by state.

Sales Tools

AudienceDocumentUpdatedLink
Consumer UseLegacy and Last Wishes Guide11/17/2025Click Here
Consumer UseFuneral Expenses Worksheet11/17/2025Click Here
Advisor Use OnlyForms11/20/2025Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseLife Insurance: Common Myths and Truths Consumer Flyer11/17/2025AGT-MT199Click Here
Consumer UseConsumer Brochure11/17/2025AGT-AP187Click Here
Advisor Use OnlyAdvisor Presentation11/17/2025AGT-AP189Click Here
Advisor Use OnlyAdvisor Guide11/17/2025AGT-AP188Click Here
Advisor Use OnlySpecimen Policy11/17/2025LTR-WKAPClick Here
Advisor Use OnlySample Application11/17/2025AP-APP-NAICClick Here

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