Accidental Death and Dismemberment Insurance

Accidental Death & Dismemberment (AD&D) insurance pays a benefit if you are severely injured or die as a result of an accident. AD&D benefits are insured by Manulife Financial. No benefit is payable if the death or accidental dismemberment is the result of suicide or self-inflicted injury.

  • Edward Jones provides basic AD&D insurance to all full-time associates at no cost to you. 2013 – Federal tax change
  • For branch office administrators and home-office associates, basic AD&D insurance is two times your annual compensation, with a maximum of $150,000
  • For principals and for financial advisors whose branch production is under $400,000, the basic plan pays a flat benefit of $150,000. The benefit is a flat $250,000 if the financial advisor's branch production is equal to or more than $400,000.
  • Your benefit amount goes down by 20% on each March 1 following your 65th birthday. It reduces to $15,000 at age 69 and to $10,000 at age 70. It terminates upon your retirement.

You also can purchase additional AD&D insurance in increments of $50,000, to a maximum of $1.1 million of coverage when combined with Basic AD&D insurance. Your benefit amount terminates at age 70 or retirement, whichever is earlier.

You will designate a beneficiary who will receive this benefit when you make your online benefit elections. You may name one or more individuals or your trust.

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