Does AD&D Cover Funeral Expenses?

Shawn Plummer

CEO, The Annuity Expert

Does AD&D Cover Funeral Expenses?

Yes, Accidental Death and Dismemberment (AD&D) insurance typically covers funeral expenses if the death is a result of an accidental death. Here’s a brief overview:

  1. Coverage Scope: AD&D policies generally pay a benefit for deaths caused by accidents, not natural causes or illnesses.
  2. Funeral Expenses: These policies may include coverage for funeral expenses, but it depends on the specific terms and conditions of the policy.
  3. Benefit Amount: The payout for funeral expenses is often a percentage of the total benefit or a specified amount.
  4. Claim Process: Beneficiaries must file a claim and provide necessary documentation, such as a death certificate, to receive the funeral expense benefit.

Examples of AD&D Coverage for Funeral Expenses

  • Policy A: Offers a flat $10,000 for funeral expenses in the event of accidental death.
  • Policy B: Provides 5% of the total benefit amount towards funeral expenses.

Related Reading: Does All Life Insurance Cover Funeral Expenses?

AD&D Coverage for Funeral Expenses

Policy FeaturePolicy APolicy B
Total Benefit$500,000$300,000
Funeral Expense Coverage$10,000 flat5% of total benefit
Coverage TypeAccidental DeathAccidental Death
Claim Filing PeriodWithin 90 days of the eventWithin 60 days of the event


AD&D insurance can be a valuable resource for covering funeral expenses in the case of accidental death and offering financial support during a challenging time. Each policy has specific terms that determine the extent of coverage for funeral expenses. Understanding these details ensures that beneficiaries are well-prepared to manage financial obligations. Contact us today for a free quote.

Request A Quote

Get help or a quote from a licensed financial professional. This service is free of charge.

Contact Us

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

Scroll to Top