Accidental Death & Dismemberment (AD&D) Insurance

Looking for affordable insurance protection that goes beyond your primary medical, long-term disability, and life insurance coverage? Consider the SPARK AD&D Plan issued by The Prudential Insurance Company of America. It’s AD&D coverage for specific injuries outlined in the schedule of benefits below.

As part of your SPARK Premium membership, Members under the age of 65, are eligible for $10,000 of Basic AD&D coverage at no cost to you, and all SPARK members may apply for $500,000 in optional AD&D coverage. Acceptance is guaranteed—there are no medical exams or questions. To request coverage, simply sign up using the online web request form.

Added Peace Of Mind For Just A Little More Per Month

For just a little more a month you can choose to receive $500,000 of optional AD&D coverage. Acceptance is also guaranteed, there are no medical exams or questions.

Optional AD&D Options

Insure yourself as well as your dependents with Accidental Death & Dismemberment Insurance (AD&D). AD&D provides benefits for losses caused by accidental bodily injury.

Members can add $500,000 of AD&D coverage and also add $250,000 coverage on your spouse. Eligible dependent children can be covered for $10,000 per child. A newborn child is not your qualified dependent until the first premium due date following birth.

Optional Benefit Rates

CoverageAD&D Coverage Face AmountMonthly Cost
Spouse/Domestic Partner$250,000$4.50
Optional AD&D coverage of $500,000, with $250,000 for spouse and $10,000 for child(ren).


Create your $10,000 AD&D coverage documents here

As a benefit of your SPARK Premium membership, you can receive $10,000 of Basic Accidental Death & Dismemberment Insurance at no cost to you.*

Who Is Eligible To Apply?


  • Premium Members of SPARK who are less than 65 may apply for the Basic AD&D.
  • All Members of SPARK who are less than age 65 may apply for $500,000 of the Optional AD&D coverage.

Eligible Dependents: Spouse/domestic partner and dependent children less than 26 years old. Your children include your legally adopted children, step-children and foster children who depend upon you for support and maintenance.

Not a SPARK Premium member yet? Join Here >

Ready to apply for Optional AD&D Insurance?

AD&D Schedule of Benefits

Basic AD&DOptional AD&D
Both Hands or Both Feet100%100%
Sight in Both Eyes100%100%
One Hand and Foot100%100%
One Hand or One Foot and Sight of One Eye100%100%
One Hand or One Foot50%50%
Sight of One Eye50%50%
Hearing in Both Ears50%50%
Speech & Hearing in Both Ears100%100%
Four Fingers of the Same Hand25%25%
Thumb & Index Finger of Same Hand25%25%
Hearing in One Ear25%25%
One Arm or One Leg75%75%
All Toes on One Foot13%13%
Big Toe5%5%
Loss of Use** of One Hand or One Foot / or One Arm / or One Leg25%25%
Comalesser of 2% per month and $1,000, up to 100 monthslesser of 2% per month and $1,000, up to 100 months
Exposure and Disappearance Benefit***% of Principal sum consistent with type of loss% of Principal sum consistent with type of loss
Additional Benefits for Loss of Life due to:
Seat Belt
(If it cannot be determined that the person was wearing a Seat Belt at the time of the Accident, a benefit of $1,000 will be paid.)
Additional 10%
up to $25,000
Additional 10%
up to $25,000
AirbagAdditional 10%
up to $10,000
Additional 10%
up to $10,000

Additional Benefits are included in the Optional coverage and are as follows:

Bereavement and Trauma Counseling Benefit
Child Care Expense Benefit
Child Tuition Reimbursement Benefit
Hearing Aids and Prosthetic Devices Benefit
Home Alteration and Vehicle Modification Benefit
Monthly Mortgage Payment Benefit
Monthly Rehabilitation Expense Benefit
Return of Remains Benefit
Spouse Tuition Reimbursement Benefit
Surgical Replantation Benefit

See certificate for benefit details.

Ready to apply for Optional AD&D Insurance?

*Basic AD&D coverage is provided by SPARK as included with SPARK membership and may be discontinued at any time at the discretion of SPARK.

**Loss of Use: The total and permanent loss of function.

***For the purposes of the Coverage:
(1) Exposure to the Elements will be considered an accidental bodily Injury. Exposure to the Elements means exposure to severe hot or cold weather that results in actual significant physical injury including sun stroke, heat stroke and frostbite.
(2) It will be presumed that the person has suffered a Loss of life if the person’s body has not been found within one year of disappearance, stranding, sinking or wrecking of any vehicle in which the person was an occupant.

NY Residents: This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services.


This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.

This is not a complete description of the plan, but merely a brief summary. For additional information including benefits, limitations and exclusions contact the administrator, Member Benefits, for a brochure. After you enroll, you will be issued a Group Insurance Certificate describing your coverage in greater detail. The complete terms of the coverage will be governed by the group insurance contract issued to SPARK by the carrier.

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.

The SPARK Accidental Death & Dismemberment Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series 83500. CA COA #1179, NAIC #68241