Life and AD&D

How can you look out for the people you love when the future can feel so uncertain? Group Life and Accidental Death and Dismemberment insurance can help protect those you love from financial hardship. For many families, this coverage is part of a smart financial plan — now more than ever.

Life Insurance Helps Replace Your Income

Life insurance pays a benefit directly to any beneficiaries you choose, such as your spouse, partner, children or other loved ones. In part, Life insurance may help provide replacement income for your family. It can also help cover costs such as:

  • Medical expenses
  • Funeral, burial and probate costs
  • Taxes and debts, such as credit card balances
  • Child care
  • Housing and other living expenses
  • Education
  • Spouse or partner’s retirement

AD&D Helps After a Severe Accident

Accidental Death and Dismemberment insurance — known as AD&D — pays an amount specified in the policy if a covered accident results in your death. It may also pay benefits for a severe physical loss, such as a hand, a foot or your eyesight. These AD&D benefits can help you and your family pay for things like special care and modified living arrangements.

Usually, employers offer Life and AD&D insurance together, but not always. Check with your employee benefits manager to see your coverage options.

Key Features
Take it with you — you may qualify to continue your coverage if you change jobs
Take care of your family — they may receive a Higher Education, Child Care or Career Adjustment benefit if you die as a result of an accident
Pause premiums if totally disabled — you may qualify to have your Life premium payments waived for a specific period of time if your policy includes this benefit
Take benefits early during a terminal illness — you can apply to receive a portion of Life insurance funds early

3 in 10 Adults Said They Could Not Cover Three Months of Expenses — Not By Any Means.1

Help Protect Your Family’s Finances

Would those you love face economic difficulty if you were gone today? If the answer is yes, then you need Life insurance. You may also want to add coverage for your spouse or children. Or increase your own coverage if your employer already provides basic Life insurance benefits.

Estimate Life insurance needs

How Much Life Insurance Do I Need?

Figure out the amount of Life insurance to help your loved ones maintain their lifestyle.

Services You Can Use Today

Help for life’s challenges — every day, on the road and after a loss.

Life Services Toolkit
Life Services Toolkit
Learn more

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.

Travel Assistance
Travel Assistance
Learn more

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.

AD&D Occupational Assistance
AD&D Occupational Assistance
Learn more

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

Life and AD&D insurance can help give you and your loved ones peace of mind. Talk to your employee benefits manager about your Life and AD&D insurance options now.

Examples of How Our Life and AD&D Coverage Can Help
Life insurance benefit
Life Insurance Benefit
Karen's Husband

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.

Car accident
Life and AD&D Benefits
Javier's Wife

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.

Accidental death and dismemberment benefit example
AD&D Benefit Only
Khalid's Wife

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.

See Why Life and AD&D Coverage Matter

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.