Voluntary Accidental Death and Dismemberment | Mosaic Group

Employer Groups
Employer Groups

Life and disability insurance. Dental and vision coverage. Various worksite and voluntary policies. Mosaic Group sells a wide range of attractive options from leading ancillary and specialty insurance companies, all conveniently accessible in one place—giving businesses the flexibility to choose the ancillary benefit package that makes the most sense for them and their employees.
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Group Services
- Total Health Bundling
  (ACA 1–50)
- Package Pricing (51+)
*Available as Employer Paid or Voluntary
Individual Plans
Individual Plans

Dental and vision coverage. Short-term medical insurance. Even plans that give you peace of mind while traveling or living abroad. Mosaic Group brings together the best, most cost-effective individual plans, and makes them available through one convenient source.
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What is Voluntary Accidental Death & Dismemberment insurance?

Voluntary Accidental Death & Dismemberment insurance makes it easy for employers to make a valuable benefit available to employees: the opportunity to purchase additional protection against an unexpected loss.

These affordable policies pay 100% of the benefit for covered death caused by an accident, and from 25% to 100% of the benefit for covered injuries that result in dismemberment.

Who should consider it?

Accidental deaths are one of the leading causes of death in the United States. Giving employees the option to get AD&D coverage is a cost-effective way for employers to expand their benefits package and bring employees additional peace of mind.

Key benefits
- 24-hour coverage, on and off the job, anywhere in the world
- Payments made directly to the beneficiary
- Employees can choose their own coverage level
- Dependent coverage available
- Easy payment through payroll deduction
Additional features

Voluntary AD&D coverage includes coma, repatriation, and exposure and disappearance benefits. A range of optional riders are available, including common carrier, felonious assault, paralysis and special education benefits, Spouse training and child care, as well as domestic partnership coverage where applicable.
Proposal request

Voluntary AD&D insurance policies sold by Mosaic Group and underwritten by USAble Life, Principal, Unum, Symetra or The Hartford can only be purchased in conjunction with Voluntary Term Life. Voluntary AD&D insurance policies sold by Mosaic Group and underwritten by USAble Life, Principal, Unum, Symetra or The Hartford can be purchased by an employee either as a standalone or along with Voluntary Term Life. For information or to request a proposal, please contact your Mosaic Group representative.