Accidental death and dismemberment (AD&D) insurance

AD&D insurance helps you and your finances   

Instantly, an accident can affect your life. That can mean a lot more to cope with. You or your family don’t need the extra financial worries. Accidental death and dismemberment (AD&D) insurance can help relieve the financial burden while you or your family recovers or rebuilds.

Why choose AD&D insurance?

  • Savings on the insurance you need, thanks to group pricing.

Extra advantages

  • Coverage for return to home: If you lose your life in another country, up to $2000 is payable for actual expenses incurred in preparing the deceased for burial or cremation and shipment of the body to the place of burial if it’s in a country other than where death occurred. 
  • Waiver of premium: if you’re totally disabled1 while covered before age 652, your coverage continues. You don’t pay premiums as long as you’re totally disabled.

You're eligible if you’re:

  • a CAPIC member in good standing or an employee of CAPIC
  • actively working at least 30 hours a week
  • between the ages of 18 and 64 (coverage ends on your 65th birthday)
  • approved for Life insurance under the CAPIC insurance program
  • a resident of Canada.

Meet the criteria? You can get AD&D insurance for:

  • You

  • Your spouse3

What's the cost?

Our rate sheets can provide you with a quick estimate.

How much coverage can you apply for?

  • From $50,000 to $250,000 (in units of $25,000).
  • Your coverage amount must be less than or equal to your Life coverage amount.

How it works:

  • A lump-sum payment is paid if you or your covered spouse suffers a serious injury or dies due to an accident. This occurs upon approval of claim.
  • the amount is a percentage of the AD&D coverage you’ve selected, based on the loss suffered. Please refer to your plan booklet for more information. The table below shows the percentages used to determine payment
Table of losses Amount Payable
(% of Principal Sum)
Loss of life   100%
Loss of  both hands or both feet   100%
Loss of one hand and one foot        100%
Loss of one hand or one foot, and entire sight of one eye 100%
Loss of one arm or one leg 75%
Loss of one hand or one foot or sight of one eye 66 2/3%
Loss of thumb and finger on same hand 25%
Loss of use of both arms or both legs 100%
Loss of use of both hands or both feet 100%
Loss of use of one arm or one leg 75%
Loss of use of one hand or one foot 66 2/3%
Loss of entire sight of both eyes 100%
Loss of speech and loss of hearing in both ears 100%
Loss of speech 66 2/3%
Loss of hearing, both ears 66 2/3%
Loss of hearing in one ear 25%
Quadriplegia 100%
Paraplegia 100%
Hemiplegia 100%

There are plan restrictions and limitations. Find out more in your plan booklet.


Take these three steps to apply:


We will not pay for losses that result from one or more of the following actions:

  • self-inflicted injuries, by firearm or otherwise
  • a drug overdose
  • carbon monoxide inhalation
  • attempted suicide or suicide, regardless of whether the person has a mental illness or intends or understands the consequences of their actions
  • flying in an aircraft, descending from an aircraft or being exposed to any hazard related to an aircraft, while:
    • receiving flying lessons,
    • performing any duties in connection with the aircraft,
    • being flown for a parachute jump or
    • a member of the armed forces if the aircraft is under the control of or chartered by the armed forces.
  • the hostile action of any armed forces, insurrection or participation in a riot or civil commotion
  • full-time service in the armed forces of any country
  • participation in a criminal offence

This website is intended only as an outline of the insurance policy, which is available upon request. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the group insurance policy issued by Sun Life Assurance Company of Canada. The policy can be obtained by calling Sun Life at 1-800-669-7921, Monday to Friday from 8 a.m. to 8 p.m. ET. Or you can email

You will be considered totally disabled:

  • during the first 24 months while you are continuously unable due to an illness to perform the essential duties of your regular occupation, and
  • afterwards while you are continuously unable due to an illness to perform any occupation, for any employer, for which you are or may become reasonably qualified for by education, training or experience and are not engaged in any gainful occupation.

2 If you’re totally disabled for a full 90 days before age 65 and receiving LTD benefits, you don’t have to pay AD&D premiums as long as you remain totally disabled.

Spouse: Your spouse by marriage or under any other formal union recognized by law, or a partner of the opposite sex or of the same sex who is living with you and has been living with you in a conjugal relationship for at least 12 months. For Québec residents, there is no minimum cohabitation period for common-law spouses if a child is born out of their relationship. Only one person at a time can be covered as your spouse.


Call us at 1-800-669-7921
Mon to Fri 8:00 a.m. to 8:00 p.m. ET

Sun Life Assurance Company of Canada is the insurer of this product, and is a member of the Sun Life group of companies.