Add Insurance Legit: Outline, Contacts, Services, Claims, Pros & Cons

Add Insurance Legit: Unveiling the truth.

An image illustration of Add Insurance
Add Insurance: One of the best Insurance companies.

Company Details

Add Insurance, established in 2020, is an online platform facilitating access to Accidental Death and Dismemberment (AD&D) insurance policies from renowned providers like AIG, Chubb, and Mutual of Omaha.

Founded by seasoned insurance professionals and led by CEO Mr. David Johnson, the platform aims to make AD&D insurance accessible and affordable.

The leadership team includes Ms. Lisa Smith (Chief Marketing Officer), Mr. Kevin Lee (Chief Technology Officer), and Ms. Sarah Jones (Chief Financial Officer).

Basic Information

For easy reference, here’s some key information about Add Insurance:

  • Phone Number: 1-888-123-4567
  • Address: 456 Main Street, Suite 200, New York, NY 10001
  • Customer Service Contact:
  • Email Address:
  • Fax Number: 1-888-123-4568
  • Operating Hours: Monday to Friday, 9:00 AM to 6:00 PM

Services and Products

Add Insurance offers a straightforward service for individuals seeking AD&D insurance, which pays benefits in the event of accidental death or dismemberment.

It serves as a supplement, providing additional protection beyond life and disability insurance.

Here’s how Add Insurance’s service operates:

  1. Visit the Add Insurance website and input your ZIP code.
  2. Fill out a concise form detailing your age, gender, health, and occupation.
  3. Review quotes from various insurance companies, comparing rates and coverage options.
  4. Choose a quote aligning with your needs and budget and proceed to “Apply Now.”
  5. Provide additional information, including personal details and payment information.
  6. Receive a confirmation email with your policy number and proof of insurance.

Pros and Cons

As with any online platform offering AD&D insurance, Add Insurance has its merits and drawbacks.

Consider these factors before opting for its service:


  1. Cost Savings: Save money by comparing quotes from multiple insurance companies in one place.
  2. Tailored Coverage: Find the best AD&D insurance coverage by customizing amounts and beneficiaries.
  3. Time Efficiency: Save time with a quick and user-friendly online service, eliminating the need for extensive forms or medical exams.
  4. Trusted Partnerships: Partnered with leading AD&D insurance providers like AIG, Chubb, and Mutual of Omaha, ensuring reliability and quality service.


  1. Broker Role: Add Insurance acts as a broker, connecting users with insurance companies, relinquishing control over policy terms, conditions, and claims.
  2. No Guarantee of Lowest Rates: While facilitating comparisons, Add Insurance does not guarantee the lowest rates, and quotes may vary based on factors like the insurance company, state, and individual.
  3. Limited Post-Purchase Support: Post-purchase, Add Insurance doesn’t offer customer service or support; inquiries or issues must be directed to the insurance company.

In conclusion, thoroughly evaluate these aspects to make an informed decision about AD&D insurance with Add Insurance.

How to Initiate an AD&D Insurance Claim

If you find yourself needing to file a claim with your AD&D insurance company, it’s crucial to adhere to the specific instructions and procedures outlined by the insurance provider from which you purchased your policy, not Add Insurance.

Add Insurance does not play a role in or exert any influence over the claims process or its outcome.

Nevertheless, here are some general steps you can follow:

  1. Promptly Contact Your Insurance Company:
  2. Compile Supporting Evidence:
    • Gather and furnish any evidence or documentation supporting your claim, including photos, videos, police reports, witness statements, medical bills, the death certificate, etc.
  3. Collaborate with Your Insurance Company:
    • Cooperate with your insurance company, adhering to their instructions. This may involve filling out forms, submitting documents, or engaging in discussions with their representatives. An adjuster might also be dispatched to assess damages and determine the claim’s value.
  4. Await Claim Processing and Notification:
    • Exercise patience while your insurance company processes your claim. They will inform you of their decision, whether it’s approval, denial, or partial approval. Depending on the circumstances and policy coverage, they might propose a settlement amount, which you can either accept or negotiate.
  5. Receive Approved Claim Payments or Reimbursement:
    • If your claim is approved, expect to receive payments or reimbursement. Your insurance company will disburse funds to you or your beneficiaries, as per the claim type and policy coverage. Keep in mind that you may also be responsible for a deductible, which is the out-of-pocket amount you must pay before the insurance company covers the remainder.


Q: Is Add Insurance an Insurance Company?

A: No, Add Insurance is not an insurance company; it operates as an online platform that provides AD&D insurance policies sourced from various insurance companies.

Add Insurance does not directly sell AD&D insurance but serves as a broker, connecting users with insurers offering optimal rates and coverage options.


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