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High Limit AD&D Reinsurance
High Limit Accidental Death & Dismemberment (AD&D) reinsurance is offered by Sutton Reinsurance on either individual insureds or on groups of top executives.
Limits:
$5M per person
$25M per occurrence
Product need and use:
Where group Limit AD&D insurance coverage is provided to a firm, limits provided to executives, partners, or other high-income lives may exceed the insurance company’s retention rules, either alone or in a combination of coverages. High-limit Limit AD&D is used to reinsure the excess cover.AD&D Subject Insurance:
AD&D subject insurance is usually some combination of Group Basic, Voluntary, and Business Travel AD&D. On occasion, it is Individual AD&D with a high issue limit.