Can Both Spouses Have AD&D Insurance?

Shawn Plummer

CEO, The Annuity Expert

Can Both Spouses Have AD&D Insurance?

Yes, both spouses can have Accidental Death and Dismemberment (AD&D) insurance. The key factor is that each spouse must independently qualify through the underwriting process set by the insurance company.

Qualification Criteria for AD&D Insurance

  1. Age Limit: Typically, there’s an age bracket within which applicants must fall.
  2. Health Status: General health may be considered, though AD&D is less stringent than life insurance.
  3. Occupation: Some high-risk jobs might affect eligibility or premiums.
  4. Lifestyle Factors: Activities like extreme sports could be a factor in qualification.

Benefits of Dual AD&D Coverage

  • Double Protection: Both spouses are covered in case of accidents, enhancing family security.
  • Individual Coverage: Each policy is independent, providing specific benefits to each spouse.

Steps to Acquire AD&D Insurance

  1. Research: Look into various insurance providers and their policies.
  2. Application: Fill out individual applications for each spouse.
  3. Underwriting Process: Go through the insurer’s assessment.
  4. Policy Review: Understand the terms, conditions, and coverage limits.
  5. Finalization: Agree to the terms and finalize the policies.


Both spouses can have their own AD&D insurance policies, ensuring greater security and peace of mind. The process involves individual applications and meeting specific underwriting criteria. This dual coverage can provide comprehensive protection for both partners.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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