High Limit Accidental Death & Dismemberment Life Insurance

High Limit AD&D Insurance

The most common use of our Lloyds of London underwritten high limit AD&D life insurance is for civilian contractors working in war zones or unstable areas, but the possibilities are as far ranging as the dangerous activities you can think of.

When traditional life insurance charges too much for a “dangerous” occupation or avocation, it’s often a prudent move to exclude coverage under your traditional policy and add accidental death and dismemberment coverage to cover that. A good example would be a private pilot who participates in activities outside the comfort zone of traditional life insurance companies. In most states they can take an aviation exclusion negating the high rate they would have been charged (called a flat extra charge) and buy an aviation coverage AD&D policy for less than the flat extra would have been.

Traditional life insurance can also be pretty abusive with their flat extra charges for skydiving, scuba diving and mountain and technical rock climbing. Traditional life insurance will charge extra for mountain climbing over 14,000 feet, a laughable guideline in Colorado where there are 56 mountains with summits between 14,000 and 14,400 feet, those last 400 feet usually just being a high altitude walk. High limit AD&D insurance is the answer.

But we have the approvals waiting for car racing, motorcycle racing, sky and scuba diving, and rock and mountain climbing. Bring it on and let us find the right coverage for you.

More Questions? Check Out Our Blog!

The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.

Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life.


My 20 years of experience give me the knowledge and leverage to find reasonably priced Life Insurance for people who have been declined or are paying more than they need to.

Let’s get together and get it done right for you and your family!