Life and AD&D Insurance
Life and Accidental Death & Dismemberment (AD&D) insurance helps protect your loved ones financially if you pass away or experience a serious injury. These benefits can help cover final expenses, pay off debts like credit cards or mortgages, or provide additional financial stability during a difficult time. Even if you’re single, naming a beneficiary ensures someone you care about receives the support. Coverage includes Basic Life and AD&D at no cost to you, with the option to purchase additional Voluntary Life and AD&D insurance for yourself and your family at group rates.
Basic Life and AD&D
Basic Life insurance – AllTrails provides company-paid Basic Life insurance coverage at no cost to you. This benefit provides $50,000 of coverage to help protect your loved ones. If you pass away while covered under the plan, a tax-free lump sum is paid to your designated beneficiary.
Basic Accidental Death and Dismemberment (AD&D) coverage is included with your Basic Life insurance. AD&D provides additional financial protection if you pass away or suffer a major injury, such as the loss of a limb, vision, or hearing, as the result of a covered accident. If death occurs from a covered accident, the AD&D benefit would be payable to your beneficiary.
Voluntary Life and AD&D
Voluntary Life and AD&D: In addition to company-paid Basic Life and AD&D, eligible employees may purchase additional Voluntary Life and AD&D insurance through Guardian. Participants pay 100% of the premium. It is important to provide beneficiary information during enrollment and keep this information up to date in Rippling.
If you decline Voluntary Life insurance when first eligible, or if you elect coverage and wish to increase your benefit amount at a later date, evidence of insurability may be required before coverage is approved.
For you: $10,000 increments up to $200,000.
For your spouse: $5,000 increments up to $25,000. Spouse coverage may not exceed 100% of the employee’s voluntary life amount.
For your children: $5,000 increments up to $10,000. Child coverage may not exceed 100% of the employee’s voluntary life amount.
Guarantee Issue for Voluntary Life/AD&D
At initial eligibility only, no health exams are required for coverage up to the following amounts:
Employee: under age 65, up to $200,000
Spouse: under age 65, up to $25,000
Child: up to $10,000
Individual rates are displayed when enrolling in the Rippling portal.