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.

Of all accidents, car accidents are the most common with an estimated 1.3 million deaths a year, averaging out to 3,287 deaths per day with an additional twenty to fifty million people becoming injured or disabled every year according to the Association For Safe International Road Travel.

lonely woman in mourning looking at sunset on waterHow AD&D Insurance Can Help Protect Your Loved Ones

For those involved in serious accidents, recovery time can take anywhere from days to months, or even longer depending on the severity of the injury. Could you afford to be out of work for an extended period of time? If you were injured so severely that you required an amputation, forever altering your lifestyle, as well as potential job prospects, could you afford to be out of a job while recovering and retraining your muscles as well as your mind? And if the worst should happen, could your family sustain themselves without the aid of your income?

This is where the importance of Accidental Death & Dismemberment (AD&D) insurance comes in to play. No one ever plans for an accident to occur, but what if there were a way that you could? According to the 2012 Life Happens Disability Survey, approximately half of all Americans wouldn’t be able to cover their own expenses after just a single month without receiving a paycheck.

Statistics like these can be scary but they don’t need to be. AD&D insurance could help in the face of uncertainty. Your family’s welfare is important and with AD&D insurance, you can help to safeguard your family’s financial security in the event you are no longer able to provide for them should you experience a debilitating or fatal accident.

Learn More About AD&D Insurance

While the two can sometimes be purchased together, it is important to understand that AD&D insurance is not Term Life insurance. AD&D typically does not issue a payout on your policy in the event you pass due to a terminal illness; AD&D insurance will, in most cases, issue a payout should you fall victim to a serious accident resulting in the loss of limb, senses, or life. Exact payout amounts and covered circumstances are elaborated upon in your exact policy once it has been issued.

As an association member, you have access to anywhere from $10,000 to $500,000 in AD&D coverage amounts issued by leading insurance carriers. Acceptance is guaranteed with no medical exams or questions to schedule or deal with.

Want to learn more about AD&D insurance? Visit your association page for more information, view the AD&D schedule of benefits, or to sign up for AD&D insurance.

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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