Life and AD&D
A time could come when death or a serious accident keeps you from providing for your family. Group Life insurance and Group Accidental Death & Dismemberment (AD&D) insurance can help protect your family’s finances if something happens to you.
A death might leave your loved ones facing expenses they couldn’t pay without your income. Besides everyday bills, they could run into extra costs for things like final medical care or a funeral. If an accident left you with a serious injury, you might need to pay for special care and modified living arrangements.
How can Life and AD&D insurance help make things easier for the people you care about?
- Life insurance can be used to help protect the people who depend on your income by paying them an amount of money specified in the policy if you die.
- AD&D insurance pays an amount of money specified in the policy if a covered accident results in your death or a severe physical loss, such as a hand, a foot or your eyesight.
These benefits can help pay for things like the mortgage, college tuition, child-care costs or daily living expenses. Usually, employers offer these two types of insurance together, but not always. Check with your employee benefits manager about the options provided by your employer.
Watch a video about how Life insurance can help provide more financial security for your family.
Watch a video about Accidental Death and Dismemberment insurance and how it can help protect the people you love from financial loss.
Karen’s Husband2
Karen's husband died while they were on vacation abroad. The loss devastated her family, but the Life insurance coverage he had through his employer made handling planned and unplanned expenses easier.
The $200,000 Karen received helped her pay for:
- Funeral expenses
- Remaining mortgage
- Credit card and auto loan debt
- Transporting remains to the mortuary
- Living expenses for six months
Check with your employer to see if your employer’s policy from The Standard includes these benefits.
Javier’s Wife2
Javier’s wife had a fatal car accident on her way to work, even though she was wearing a seat belt and the car’s airbag deployed. The death left Javier in shock. But because his wife had Life and AD&D insurance through her employer, and because the death was the result of a covered accident, Javier received:
- $100,000 in Life insurance coverage (helped pay off mortgage)
- $100,000 in AD&D coverage (helped pay off mortgage)
- $10,000 AD&D Seatbelt benefit (helped pay for funeral expenses)
- $5,000 AD&D Airbag benefit (helped pay for funeral expenses)
- $10,000 AD&D spouse Career Adjustment benefit (reimbursed Javier for classes he took to increase his earnings following his wife's death)
Check with your employer to see if your employer's policy from The Standard includes these benefits.
Khalid’s Wife2
After his wife died in a skiing accident, Khalid and his daughter were grief-stricken. His wife was insured through her employer’s Group AD&D, and because the death was the result of a covered accident, the AD&D policy paid Khalid:
- $100,000 AD&D benefit (helped pay off an auto loan and credit card debt)
- $20,000* Higher Education benefit (reimbursed some of his daughter's college tuition)
* Amount paid over four years
Check with your employer to see if your employer's policy from The Standard includes these benefits.
Help Protect Your Family’s Finances
Being ready for difficult times is an important piece of the financial planning puzzle. Life and AD&D insurance can help strengthen your family’s economic security. You may also be able to add more coverage for yourself or buy it for your spouse or children, even if your employer already provides a plan.

How Much Life Insurance Do I Need?
Figure out the amount of Life insurance to help your loved ones maintain their lifestyle.
Your Life insurance may include tools you can use right now on the Life Services Toolkit website. Use the site’s online resources to help with will preparation, as well as funeral, legal and financial planning. In addition to the online tools, your beneficiaries receive grief, legal and financial counseling in the year after your death.
Not available with products offered by The Standard Life Insurance Company of New York.
Your Life coverage may come with Travel Assistance. You can use this service right now to prepare for trips — and also for help while traveling. If an illness, accident or lost item disrupts a trip, Travel Assistance can offer support for finding medical and legal services and replacing lost credit cards and passports. With an injury that’s serious enough to end your trip, this service can help with transport back to the United States for further treatment. Travel Assistance can be there for you around the clock and around the world. Check with your employer to see if you have this service with Standard Insurance Company.
Not available with products offered by The Standard Life Insurance Company of New York.
Occupational Assistance* is a valuable service that may come with your policy. The support it provides can help you return to work after a serious accident. The goal: helping you resume the position you have with your current employer. If that’s not possible, we’ll try to help you transition to a new job.
*Benefit limited to dismemberment.
Not available with products offered by The Standard Life Insurance Company of New York.
Help Protect the People Who Depend on You
Talk to your employee benefits manager about your Life and AD&D insurance options now.
Confidence and Compassion
A Note from Greg Ness, Chairman, President and CEO

At The Standard, we’ve been helping people achieve financial well-being and peace of mind since 1906. As the global health crisis continues to disrupt lives, communities and the economy, I am confident we’ll continue helping people when they need us the most. Our company has been through hard times and market volatility before and we will navigate through this challenge as well. As our customers face tremendous stress and uncertainty, we will continue providing support and stability to those who rely on our products and services.
This pandemic is tough on everyone. Our communities are hurting, our families and friends are distressed and some of our most vulnerable neighbors are at risk.
The crisis and the way we collectively respond to it will define a generation. We are rising to the challenge. I know every single employee at our company — along with staying focused on keeping our business running and serving our customers — is looking for ways to make a difference for those most affected by this pandemic. That’s proving true in businesses and homes across the community, the country and around the world.
Part of the tragedy of this disease is that even as we come together to help those most in need, the unique nature of COVID-19 is forcing us apart. We all understand the importance of —social distancing— to slow the spread, but we should remember that’s just physical distancing. I encourage you to find ways to safely connect with those in your neighborhood who may require extra help and with groups in your community that are making a difference and support them however you can. And now is the perfect time to reach out to friends and others and just check in.
To our health care providers, first responders and everyone selflessly setting aside their own fears and concerns to help others during this time — thank you hardly seems enough. These people are true heroes. This crisis reinforces how reliant we are on the many essential services we too often take for granted. We are grateful to so many for continuing to show up with focus and commitment.
We will get through this, especially if we are sustained by the examples of those who make us the proudest right now — family, friends, neighbors and colleagues working together — rather than allowing our fears to guide us. No matter how unsettled we may feel, remember we are not alone. There are so many people in this world trying their level best to help others. And I am certain we will get through this — together.
In times of crisis, we are defined by how we react. Let’s continue to be defined by compassion.
And to our customers, thank you for putting your trust in The Standard. What we sell is a promise to be there when you need us, and that promise is unwavering.
Be safe and well, and stay connected.
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Jared's Story: Time for Family
Age: 36 - Occupation: pediatrician - Married, one child
How the Family Care Benefit provided the ability to care for a loved one
Jared's daughter was born with a heart defect. They visited multiple specialists to diagnose the condition and determine the appropriate treatment. Then his daughter underwent surgeries, hospital stays and months of follow-up appointments. Benefits from Jared’s Platinum Advantage policy helped make up for the income lost when Jared spent time away from work to attend physician appointments and to be with his daughter in the hospital and throughout her extended recovery — providing peace of mind during a trying time.

Jody's Story:
Supportive Office Equipment
Age: 42 - Occupation: accountant - Married, no children
Assistance on the road to recovery through a rehabilitation program
Jody's role as an accountant at a small firm requires a lot of computer work. After sustaining a serious back injury from a car accident, Jody was totally disabled under her Platinum Advantage policy. Jody’s doctor recommended she purchase assistive equipment to help her work comfortably at her desk without aggravating her condition. She was able to return to work full time after participating in a rehabilitation program in which expenses for a sitstand desk and other ergonomic accommodations were paid for under her Platinum Advantage policy. These modifications helped ensure she could return to work safely, without hindering her recovery.

David's Story: Starting a Medical Career
Age: 33 - Occupation: dermatology physician - Single, no children
Benefits that match career growth through the Benefit Increase Rider
David is completing his dermatology residency and just accepted an offer at a private practice. Before the end of his residency, he purchased a Platinum Advantage policy that included the Benefit Increase Rider, knowing his income will rise significantly after he starts his first post-residency job. The benefit also will allow his policy to grow with him as he progresses in his career and receives additional salary increases. David values the fact that his coverage going forward will match his developing career.

Jason's Story: Accidents Happen
Age: 35 • Occupation: orthopedic surgeon • Married, two children
Finding work in a new occupation with the Own Occupation Rider
Jason injured his right hand in an accident and was unable to return to his job as an orthopedic surgeon because he couldn't perform surgery. Due to his medical training, he was able to return to work as a family medicine physician. Jason was considered totally disabled in his regular occupation as an orthopedic surgeon — even though he earns an income from another occupation as a family medicine physician — because of the own occupation definition of total disability included in his Platinum Advantage policy. Because of this, he receives the policy's full basic monthly benefit, in addition to the income he receives in his new position.
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