Life & AD&D

Life Insurance


Life insurance provides a predetermined amount of money to beneficiaries upon your death. Depending on the program, it can replace the loss of your current and potentially your future income as well as play a role in estate planning.

The decision to purchase life insurance, and how much, is a personal choice based on your specific needs.

Life insurance can help:


  • Provide the ability for a spouse/partner to keep a house
  • Allow a surviving partner to raise and educate children
  • Ensure that a family can maintain their current standard of living, even with the loss of a breadwinner
  • Provide income to an elder who relies on family for day-to-day support


Accidental Death and Dismemberment Insurance

AD&D insurance provides a lump sum payment if death or dismemberment is the direct result of an accident.

If the insured has life and AD&D insurance and dies as the result of an accident, both coverages are paid to designated beneficiaries. An employee enrolled in AD&D insurance who becomes dismembered as a result of an accident will be paid according to the schedule of indemnities listed in the plan document.

The employee is the beneficiary for any dependent claims. AD&D coverage does not require proof of good health has no cash value.


About DIB

Our goal is to protect you, your company and future owners. As you know, it’s about coverage first then obtaining the most competitive costs in the marketplace. As your broker, we will negotiate the best coverage with competitive pricing by negotiating directly with the carriers or with our wholesale partners.

we believe that if our clients are successful and we help add value to your bottom line then we have accomplished my goal.  Read More...