# Accident insurance, instant underwriting
> Simplified-issue accidental death and dismemberment coverage, bound in under a minute. No medical exam, no paramed visit. Issued as individual policies or group certificates on filed carrier paper.
Canonical URL: https://www.sureapp.com/products/accident-insurance
Product slug: accident-insurance
Category: Insurance products
## AD&D programs, filed in every state and DC

Two carriers on the shelf: our two AD&D carrier partners. Between them, Sure's AD&D platform writes in all 50 states plus the District of Columbia. Same filed rate tables in the rater, the policy, and the regulator's file.
Filing coverage: 51 / 51. Jurisdictions with a live, filed AD&D program on Sure today. Coverage in all 51 states (50 plus DC).

Forms on file:
- SU-AD-001 (live, v24.9) — Individual AD&D, guaranteed issue
- SU-AD-002 (live, v24.6) — Group AD&D certificate
- SU-AD-003 (live, v24.2) — Common-carrier enhancement
- SU-AD-004 (live, v25.1) — Occupational AD&D, gig worker
- SU-AD-005 (live, v24.0) — Seat-belt and airbag bonus
- SU-AD-006 (live, v24.4) — Education benefit rider

## What a Sure AD&D policy actually covers

Standard benefit limits shown. Every line is configurable at the program level. Raise the principal, add a rider, tune the beneficiary rules. Sure re-rates and refiles. Premiums shown in the consumer preview are illustrative, not a quote.
### Principal sum, core benefits — Core
- Accidental death: $250k (Principal sum to beneficiary)
- Loss of limb or sight: $125k+ (50% to 100% of principal)
- Paralysis: Tiered (Quadriplegia, paraplegia, hemiplegia)
- Common carrier: 2× principal (Fare-paying passenger)
- Seat-belt benefit: $10k (If buckled at event)
- Airbag benefit: $5k (If deployed properly)
### Riders — Optional
- Education: $5k/yr for 4 years (Dependent tuition)
- Child care: $3k/yr for 5 years (Surviving dependent)
- Spousal training: $5k once (Re-entry to workforce)
- Repatriation: $7.5k (Remains transport)
- Felonious assault: +25% (Bonus for violent crime)
- Occupational: Enhanced (On-the-job gig work)

_Coverages, rates, and limits vary by state._

## What the policyholder lives in

An AD&D member shouldn't have to call a 1-800 number after a fall. Beneficiary updates and accident claims happen inside the same app the device already lives in, powered by Sure.
### Self-service that your team doesn't have to staff
Members update beneficiaries when life events happen, file accident claims with optional device-data attached, and pull certificates of coverage without leaving the partner's app. Claims AI triages in the background.
- Beneficiary updates in two taps, no agent call required
- Accident and disability claims routed straight to Claims AI
- Mid-term coverage tier changes without rebuilding the quote
- Service handoffs to live agents stay inside the partner's brand

## Launch an accident insurance program, filed and writing in weeks

Learn more about how your accident insurance program can go live in weeks, not months. Built for brands and carriers ready to ship.
Primary action: Talk to Sure