Accidental Death and Dismemberment (AD&D) Insurance 

Additional financial protection for covered accidents 

A serious injury or death can be catastrophic to a family—and the unexpected expenses that may arise can add to the stress. New York Life Group Business Solutions provides support to you and your employees during these life-changing events. Including NYL GBS Accidental Death and Dismemberment (AD&D) insurance on an employer- or employee-paid basis in your comprehensive benefits strategy helps employees stay financially protected and better prepared.

How it Works for Your Employees

  • Payment provided in the case of a serious injury or death due to a covered accident and living benefits for non-fatal catastrophic injuries.
  • Benefits paid can help with unexpected expenses not covered by other insurance benefits (like life, disability, health, or workers’ compensation). Unexpected costs may include home and vehicle modification, physical therapy and rehabilitation, spouse job training, and childcare.
  • Substantial guaranteed-issue coverage is offered, with no medical questions or exam requirements for employees.

Educational Resources


Group Insurance Resources for Employees

Our value-added programs1 offer everyday help and support. When your employees and their families enroll in NYL GBS Accidental Death and Dismemberment (AD&D) insurance, they're included at no additional cost. These include:

NYL GBS Secure Travel

A comprehensive worldwide travel assistance program that includes pre-trip planning and emergency assistance to covered persons while traveling 100 miles or more from home.

NYL GBS Life Assistance Program


Offers phone consultation, counseling referrals, online work/life support, and community services for many of life's challenges. LAP is available to your employees; their household members and beneficiaries receive claim payments under NYL GBS Survivor Assurance.

My Secure Advantage (MSA)

A full-service financial wellness program that offers solutions to all types of personal financial needs. The program includes access to "money coaching" from experienced financial experts; identity theft resolution and protection; online will preparation; legal consultation referrals and discounts; educational webinars; access to a library of articles, tools, forms, and tips; and more. MSA is available to your employees; their household members and beneficiaries receive claim payments under NYL GBS Survivor Assurance.

NYL GBS Survivor Assurance

An interest-bearing account at no extra cost for beneficiary payments of $5,000 or more. Beneficiaries receive access to the Life Assistance Program and My Secure Advantage.

Learn more about how we can help provide the additional protection your employees may need.

Contact your producer or connect with a New York Life Group Benefit Solutions sales representative to learn more about how we can work together.

Products and services available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product/services availability in your state or locality.

New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company.