happy family in car protected by AD&D insurance

The Unsuspecting Reason Why AD&D May Be For You

No one wants to think about their death, and for young professionals just starting their careers and families, the idea of contemplating the unimaginable can be even more unsettling. You are just getting on your feet and the last thing you are prepared to start thinking about are things such as life insurance and Accidental Death & Dismemberment (AD&D) insurance. But instead of dwelling on the complicated process of obtaining life insurance, is it possible that AD&D insurance may be the first and easiest step in protecting your loved ones should something happen to you?

Know Your Odds

According to a 2015 report issued by the Centers for Disease Control (CDC), if you are between the ages of 18 and 44 you are most likely to die in some sort of accident or “unintentional injury” rather than due to disease or congenital anomalies. Eating right, exercising often, and leading an overall healthy lifestyle may be a great way to guard yourself against health issues such as heart disease but when it comes to preventing debilitating accidents, these things have no effect on chance.

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What Attorneys Need to Know About AD&D Insurance

When contemplating insurance needs, most people take great care in making sure they have a suitable life insurance policy and medical coverage. You might not think you need something like Accidental Death and Dismemberment coverage. As an attorney, your profession doesn’t often put you in harm’s way — you’re not building high rises or doing a physical job that comes with those inherent risks. But the truth is,  accidents still happen to people who aren’t taking great daily risks — and here’s why AD&D coverage should be considered in addition to your other insurance policies.

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Top 5 Causes of Accidental Death And How To Protect Your Family

No one wants to think about dying, especially when they’re young and healthy. We treat our mortality like every other unpleasantness in life – prepare as much as possible and avoid thinking about what we can’t control. We can improve health and increase longevity, but accidental deaths are more difficult to avoid.

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What You Need to Know About AD&D Insurance

No one likes to think about accidents and the possible effects one could have on you and your family.

However, to entirely ignore such topics is not a wise financial move. It’s your responsibility to make sure there are provisions in place for such events. AD&D insurance (sometimes also referred to as Personal Accident Insurance) is often overlooked for these reasons.

However, to entirely ignore such topics is not a wise financial move. It’s your responsibility to make sure there are provisions in place for such events. AD&D insurance (sometimes also referred to as Personal Accident Insurance) is often overlooked for these reasons.

Many people do not know much about AD&D insurance because it is often written as a rider attached to a larger policy such as a life insurance policy. AD&D insurance provides coverage for deaths caused by accidental means, rather than by natural causes or sickness. This is the “AD” part of the term — accidental death. Dismemberment is the other aspect of these policies. Dismemberment entails the loss of the use of certain body parts such as limbs or eyesight, which could greatly affect your ability to earn an income for your family.

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