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Term Life and AD&D Insurance Overview

Term Life and AD&D Insurance Overview

What is Term Life and AD&D Insurance?

Think about what your loved ones may face after you’re gone. Term life insurance can help them in so many ways, like covering everyday expenses, paying off debt, and protecting savings. AD&D provides even more coverage if you die or suffer a covered loss in an accident.

Employer Paid Term Life

Open Door provides every eligible full-time employee with $10,000 in Term Life insurance coverage at no cost. You may choose to buy additional coverage for you and your family with our Voluntary Term Life Insurance options.

Term Life and AD&D At A Glance

  • A cash benefit of $25,000 to your loved ones in the event of your death (Open Door provides this term life insurance benefit at no cost to the employee).
  • A matching cash benefit if you die in an accident.
  • A cash benefit to you if you suffer a covered loss in an accident, such as losing a limb or your eyesight
  • LifeKeys services, which provides access to counseling, financial, and legal support
  • TravelConnect services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home.

You also have the option to increase your cash benefit by securing additional coverage at affordable group rates.

Additional Details


You can convert your group term life coverage to an individual life insurance policy without providing evidence of insurability if you lose coverage due to leaving your job or for another reason outlined in the plan contract. AD&D benefits cannot be converted.

Benefit Reduction

Coverage amounts begin to reduce at age 65 and benefits terminate at retirement. See plan certificate for details.

For complete benefit descriptions, limitations, and exclusions, refer to the certificate of coverage.

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