Accidental Death & Dismemberment Insurance

The sudden nature of accidental death can leave your family without time to make appropriate financial plans.  AD&D coverage can help your family in such a time of unexpected financial crisis.

It can also provide you with needed cash benefits – which can be used in any way you like – in case you suffer a specified serious accidental injury.  And this policy is available without medical underwriting, so if health issues prevent you from obtaining other coverage, this coverage can be particularly important.

AD&D Insurance pays a benefit to your beneficiary in the event of accidental death.  It also pays a specified percentage of the full benefit amount if a covered accident results in certain losses. Coverage is worldwide, and you may obtain coverage for your spouse or domestic partner and dependent children, as well as for yourself.  This coverage protects you 24 hours per day, 365 days per year – even while flying on commercial airlines.

"Unintentional Injury was the 4th leading cause of death in 2020 among all deaths, behind Heart Disease, Cancer, and COVID-19.1"


Program Highlights

Travel Benefit

$100,000 of Travel Assistance is automatically included in this policy.  Many of our professional customers who travel frequently have purchased this policy to obtain this benefit.


  • Physicians and attorneys under age 65 may obtain up to $500,000 of Accidental Death Benefit.
  • Employees of the City of Buffalo and County of Erie may obtain up to $300,000 of Accidental Death Benefit, unless employed in certain hazardous occupations, in which case $25,000 of coverage is available.

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Underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies (Warren, NJ).

The Sellers & Co. Advantage

Our agency administers the AD&D Programs we offer for Physicians, Attorneys, and Civil Service employees.  That means that you or your family will receive personalized service directly from our agency – including at time of claim if you are seriously injured or killed in an accident.

Information provided is a summary only. For complete terms and limitations, please refer to the applicable Certificate or Policy of Insurance. Specimen copies available upon request.

1. "Fatal Injury Reports, National, Regional and State, 1981 - 2019 ." Centers for Disease Control and Prevention, Centers for Disease Control and Prevention, 20 Feb. 2020, Accessed 13 Jan. 2022.