Life and accidental death and dismemberment insurance throughout Southeastern Wisconsin, including Hartford and Slinger.

Some employees may want coverage that goes beyond life insurance or workers’ compensation. They want to be covered in the event of an accident, on or off the job. We can provide that added financial protection.

Paying for life insurance for employees is a valuable benefit that can be a big selling point when recruiting staff.

Life and accidental death and dismemberment insurance is designed to pay out to the employee’s financial dependents to make up some of the lost income if the employee dies. Depending on the policy, the coverage could last for a limited period, until the employee reaches retirement age or until they die regardless of when that is.

Accidental death and dismemberment insurance is a variation on life insurance, but it only pays out if the death is from an accident (or in some cases a homicide). It usually only pays out if the death happens while premiums are still being paid (similar to term life insurance).

The plan pays out a smaller amount if the covered person loses their sight, a limb, toe or finger in an accident. Accidental death and dismemberment insurance can be a policy on its own, or it can be added on top of the normal life insurance payout.

Neither of these policies are a substitute for workers’ compensation insurance. This is mandatory for most employers, and while it only covers injuries or deaths at work, it does pay out for medical bills, some lost income and death benefits.

If you’re interested in learning more about life and accidental death and dismemberment insurance, we encourage you to reach out to our employee benefits experts. We can help you to determine if it is a good fit for your business.

Let’s discuss your life and accidental death and dismemberment insurance.

One of our benefits advisors will reach out to you to review your information and present you with the appropriate life and accidental death and dismemberment insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverage's are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverage's are available in every state. Please contact our office at 800-414-5875 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors. Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
  • This field is for validation purposes and should be left unchanged.

R.S. Semler & Associates Insurance, Inc. offers comprehensive life and accidental death and dismemberment insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Rubicon, Jackson, Richfield, Oconomowoc, West Bend, Iron Ridge, Horicon, Neosho, Germantown, Hubertus, Kewaskum, West Allis, Milwaukee, Menomonee Falls, Hartland, Allenton, Jackson, Hustisford and Ashippun.