Accidental Death & Dismemberment Insurance

SMG offers a variety of Accidental Death & Dismemberment (AD&D) Insurance plans that can be customized to meet your group’s unique needs. Basic, Voluntary, and Travel Accident insurance plans can be differentiated from standard group programs through value-added enhanced benefits and fewer exclusions. Our plans can be added to an employer group insurance program, or developed as stand-alone coverage. For all programs, we provide a superior product at very competitive prices. We can offer coverage for short-term special events, through to full 24 hour coverage.

Customized product features include:

	Lower rates than traditional group programs offer
	Comprehensive loss schedule
	Fewer exclusions than standard employer group programs
	Repatriation, Family Transportation, and other add-on benefits are available
	Coverage that’s easy to bind and renew
	Optional coverage includes: - Weekly Accident Indemnity - Accidental Medical Reimbursement - Accidental Dental Reimbursement

SMG also specializes in insuring high risk AD&D situations and specific accident risks that may need separate coverage such as pilots, aircraft owned by the policyholder, and war risk.

As a leader in special risk AD&D insurance, SMG provides fast, personalized service to clients from our regional offices with full underwriting, policy issuance and administration capabilities.

Our customized AD&D Insurance solutions are ideal for:

	Employer groups
	Sports teams and leagues
	Summer camps
	Volunteer organizations
	Boards & Directors
	Unions
	High risk occupation groups
	Affinity groups

Please contact our regional office closest to you for further information about Accidental Death & Dismemberment Insurance or any of SMG’s products.