Accidental Death And Dismemberment Life Insurance Houston Texas TX
Reader’s Question:
Would I be better off going with an Accidental Death and Dismemberment Insurance policy here in Houston, Texas?
Joanne
Houston, TX
Before you get an Accidental Death and Dismemberment (AD&D) policy there in Houston, Texas it is very important to understand that AD&D is a very limited form of life insurance, and though it may be very cheap compared to a full blown policy, AD&D’s terms of coverage is basically what the name states, it’s only for instances of Accidental Death and/or Dismemberments.
If you already have a life insurance policy that may or may not be providing adequate protection for all kinds of instances which you may lose your life, then AD&D would be a good addition or rider towards your existing policy since it may double what your beneficiaries may get both from the existing policy and from the AD&D policy that you have. IF you can afford the additional coverage why not? But some would actually still prefer to use that money into purchasing a higher life insurance coverage.
If your job involves being exposed to hazardous conditions or situations that cause loss of life or limb then AD&D may be a worthwhile and cost-effective addition to your policy. Be sure to understand and be realistic about your needs though since a majority of deaths are not due to accidents and these kinds of policies have particular stipulations regarding the specific circumstances which would be the only time that they will grant the benefits.
Tags: term life insurance, cheap life insurance, life insurance information, advise
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