Is Voluntary Accident Insurance Worthwhile. Accidental death and dismemberment insurance (ad&d), for example, is a benefit many companies offer but few. And, the cost is $399 per month, which is $253 less than your current plan.
Some policies will even cover accidental. For example, monthly premiums might start at $4.50 for every $100,000 in accidental death. These policies usually provide fixed.