{"id":34366,"date":"2026-02-27T13:23:20","date_gmt":"2026-02-27T18:23:20","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=34366"},"modified":"2026-02-27T16:54:44","modified_gmt":"2026-02-27T21:54:44","slug":"what-is-accidental-death-and-dismemberment-add-insurance","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-accidental-death-and-dismemberment-add-insurance","title":{"rendered":"What is Accidental Death &amp; Dismemberment (AD&amp;D) Insurance and How Does it Work?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">What is Accidental Death &amp; Dismemberment (AD&amp;D) Insurance and How Does it Work?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-02-27T13:23:20-05:00\">February 27, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Tammy Burns\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Tammy Burns<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/02\/shutterstock_offset_2430278589.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/02\/shutterstock_offset_2430278589.webp 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/02\/shutterstock_offset_2430278589.webp?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/02\/shutterstock_offset_2430278589.webp?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/02\/shutterstock_offset_2430278589.webp?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=What is Accidental Death &amp; Dismemberment (AD&amp;D) Insurance and How Does it Work? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-accidental-death-and-dismemberment-add-insurance\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-accidental-death-and-dismemberment-add-insurance\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is Accidental Death and Dismemberment (AD&amp;D) insurance?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-accidental-death-and-dismemberment-ad-amp-d-insurance\">What is Accidental Death and Dismemberment (AD&amp;D) insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-does-accidental-death-and-dismemberment-ad-amp-d-insurance-work-nbsp\">How does Accidental Death and Dismemberment (AD&amp;D) insurance work?&nbsp;<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-is-covered-under-add-insurance\">What is covered under AD&amp;D insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-are-the-benefits-of-add-insurance\">What are the benefits of AD&amp;D insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-who-should-get-add-insurance\">Who should get AD&amp;D insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-protect-yourself-and-your-loved-ones-with-add-insurance\">Protect yourself and your loved ones with AD&amp;D insurance&nbsp;&nbsp;<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Accidents don\u2019t send calendar invites. One icy commute, one distracted driver, one equipment failure at work \u2014 and life can change fast. When that happens, the emotional toll can be heavy enough. The financial fallout shouldn\u2019t make it worse.<br>&nbsp;<br>That\u2019s where Accidental Death and Dismemberment (AD&amp;D) insurance can help. This type of insurance is designed to pay a benefit if you die or are seriously injured in a covered accident. That payout can help replace lost income, cover medical costs, manage debt, or simply give your family breathing room when they need it most. If others rely on your income or you work in a higher-risk job, it can be a practical layer of protection.<br>&nbsp;<br>Whether you\u2019re considering AD&amp;D as an add-on to your existing life insurance or shopping for a standalone policy, here\u2019s the AD&amp;D meaning, how it works, what it covers, and how to decide if it\u2019s right for you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>AD&amp;D insurance pays a benefit for accidental death or specific severe injuries caused by a covered accident. Traditional life insurance covers death from most causes, including illness, but not injuries.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Because AD&amp;D insurance is limited to accidents, premiums are generally lower than life insurance, and no medical exam is required.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>When combined with life insurance, AD&amp;D insurance may pay benefits from both policies in the case of a covered accidental death and provide support for qualifying non-fatal injuries.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Injury benefits are typically paid according to a schedule and are based on a percentage of your total coverage amount.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>AD&amp;D may be particularly relevant for people with higher-risk occupations, active lifestyles, or frequent travel.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-accidental-death-and-dismemberment-ad-amp-d-insurance\">What is Accidental Death and Dismemberment (AD&amp;D) insurance?<\/h2>\n\n\n\n<p>AD&amp;D insurance \u2014 sometimes called&nbsp;<a href=\"https:\/\/www.worldprotect.com\/life-insurance\/personal-accident-insurance.html\">Personal Accident Insurance<\/a>&nbsp;\u2014 provides a lump-sum payment if you die or suffer specific serious injuries as a result of a covered accident.&nbsp;<\/p>\n\n\n\n<p>The key word is \u201caccident.\u201d Death or injury caused by illness, disease, or natural causes isn\u2019t covered. That\u2019s what makes AD&amp;D&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-vs-accidental-death-coverage\/\">different from life insurance<\/a>, which generally pays a tax-free benefit for most causes of death, whether accidental or not.<\/p>\n\n\n\n<p>This type of insurance is often included in employer-sponsored group benefits plans, but it can also be purchased as standalone coverage. AD&amp;D insurance can serve as a supplement to an existing life insurance policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-accidental-death-and-dismemberment-ad-amp-d-insurance-work-nbsp\">How does Accidental Death and Dismemberment (AD&amp;D) insurance work?&nbsp;<\/h2>\n\n\n\n<p>With AD&amp;D insurance, you pay a monthly premium as long as your policy remains in force.&nbsp;With RBC Insurance, coverage continues until age 80, and premiums do not increase with age. For eligible RBC clients between the ages of 18 and 69, acceptance is guaranteed. Here\u2019s how it generally works:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>If you die from a covered accident, the policy pays a tax-free benefit to your beneficiaries.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you suffer a qualifying injury, you may receive a full or partial payout, depending on the policy\u2019s terms.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Coverage is available as an individual policy or as a joint policy that includes your spouse or partner.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>In most cases, the covered death or injury must occur within 365 days of the accident.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>To initiate a claim, your beneficiary (or you, in the case of injury) must show proof of death or medical documentation within the required timeframe (typically 90 days).&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Different plans may offer additional benefits. For example, RBC Insurance\u2019s policy includes:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>A Child Care Benefit<\/strong>&nbsp;to help cover child care expenses<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>An Education Benefit<\/strong>&nbsp;to assist with post-secondary tuition costs<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>A Spousal Job Training Benefit<\/strong>&nbsp;to help a partner enroll in an accredited program and build skills for the job market<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>These features are designed to support families not just immediately after an accident, but as they adjust in the months that follow.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-covered-under-add-insurance\">What is covered under AD&amp;D insurance?<\/h2>\n\n\n\n<p>AD&amp;D insurance provides more limited coverage than life insurance. It pays benefits only for death or specific serious injuries caused directly by a covered accident.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Accidental death<\/h3>\n\n\n\n<p>An accidental death is sudden, unforeseen, and caused directly by an external event \u2014 independent of illness or underlying medical conditions.&nbsp;<\/p>\n\n\n\n<p>For example, a car crash or drowning during normal circumstances would generally be considered accidental. However, death or injury that occur while committing a criminal act or engaging in excluded high-risk activities may not be covered. Coverage always depends on the policy\u2019s terms.<\/p>\n\n\n\n<p>If you pass away due to a covered accident, your beneficiaries receive a tax-free lump-sum payment that can help cover immediate expenses \u2014 like funeral costs, outstanding debts, child care, household bills, and more.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dismemberment and injury&nbsp;<\/h3>\n\n\n\n<p>A defining feature of AD&amp;D insurance is that it also provides benefits for certain severe injuries.&nbsp;<\/p>\n\n\n\n<p>\u201cLoss\u201d can refer to the actual severance of a limb. \u201cLoss of use\u201d generally refers to the permanent and irreversible loss of function.&nbsp;<\/p>\n\n\n\n<p>The specific definitions are outlined in your policy, but here\u2019s what\u2019s typically covered:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Loss of limbs, fingers, or toes<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Loss of sight, speech, or hearing<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Paralysis or loss of bodily function<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Severe burns<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>For injuries, the payout amount is usually percentage-based. For example, while an accidental death benefit may pay 100% of the policy amount, an injury payout may be 25%, 50%, or another percentage, depending on the severity of the injury. Your policy generally has a benefit schedule that outlines the payout associated with each covered injury.<\/p>\n\n\n\n<p>While no amount of money can undo the impact of a serious accident, the benefit can help offset medical and rehabilitation costs, lost income, home modifications, and other necessary adjustments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is not covered under AD&amp;D insurance?<\/h3>\n\n\n\n<p>Because AD&amp;D insurance is limited to accidents, certain situations are excluded, such as:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Death or injury caused by sickness or disease<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Medical or surgical treatment, unless directly required due to a covered accident<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Participation in certain high-risk activities<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Drug or alcohol impairment, depending on the circumstances<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Intentional self-inflicted injury or suicide<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Committing or attempting a criminal act<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>War or insurrection<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Certain acts of terrorism<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Always review your policy\u2019s full terms and conditions before purchasing coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-add-insurance\">What are the benefits of AD&amp;D insurance?<\/h2>\n\n\n\n<p>Purchasing AD&amp;D insurance \u2014 either as a standalone policy or as a complement to your life insurance \u2014&nbsp;can provide key advantages, including:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Double indemnity:<\/strong>&nbsp;Having both life insurance and AD&amp;D coverage (or an accidental death rider) gives you double the coverage. Should you pass away due to a covered accident, your beneficiaries may receive benefits from both policies.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Financial support:<\/strong>&nbsp;The tax-free benefit can be used to cover any incurred costs immediately following an accident.&nbsp;&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cost-effective:<\/strong>&nbsp;Because AD&amp;D coverage is limited to accidents, premiums are typically lower than those for life insurance.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>No medical exam:<\/strong>&nbsp;With RBC&nbsp;AD&amp;D insurance, acceptance is guaranteed for existing customers who are Canadian residents aged 18 to 69.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Tax-free benefit:<\/strong>&nbsp;The death benefit that your beneficiaries receive is exempt from income tax.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-get-add-insurance\">Who should get AD&amp;D insurance?<\/h2>\n\n\n\n<p>AD&amp;D insurance isn\u2019t necessary for everyone, but it can be a practical addition to a financial plan. It may be worth considering if you:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Work in a higher-risk occupation<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Participate in activities that increase your risk of accidental injury or death<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Frequently travel&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Don\u2019t qualify for life insurance<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Want additional financial coverage beyond life insurance<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Why you might need AD&amp;D and life insurance&nbsp;<\/h3>\n\n\n\n<p>Life insurance pays a benefit if you pass away. It does not cover non-fatal injuries. AD&amp;D insurance can help fill that gap. If you\u2019re seriously injured in a covered accident, you may receive a benefit based on the severity of your injury.<\/p>\n\n\n\n<p>AD&amp;D isn\u2019t a replacement for life insurance. Combined, they can create a powerful financial safety net for you and your loved ones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-protect-yourself-and-your-loved-ones-with-add-insurance\">Protect yourself and your loved ones with AD&amp;D insurance&nbsp;&nbsp;<\/h2>\n\n\n\n<p>AD&amp;D insurance offers affordable, targeted coverage if a serious accident changes your life in an instant. If you work in a higher-risk occupation, have dependents who rely on your income, or simply want added security for the unexpected, it can be a valuable add-on to an existing life insurance policy \u2014 or a solid standalone option if you can\u2019t get regular life insurance.To learn whether AD&amp;D insurance fits your needs, speak with an RBC licensed insurance advisor who can walk you through your options and answer your questions.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Accidental death and dismemberment (AD&#038;D) insurance covers you if you unexpectedly die or are severly injured in an accident. 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