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Life and Accidental Death and Dismemberment Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

Life and Accidental Death and Dismemberment Insurance

Protect your future from the unexpected twists and turns of life with Life and Accidental Death and Dismemberment Insurance.
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Life and Accidental Death and Dismemberment Insurance

Life is unpredictable, and accidents can happen when you least expect them. That's why having the right insurance coverage in place is important to protect yourself and your loved ones from the financial impact of unexpected events.

Our Insurance Agency offers a range of life and accidental death and dismemberment (AD&D) insurance policies to help you protect your family and assets. Let's look at these policies and how they can benefit you.

Life Insurance: Life insurance is a policy that pays out a lump sum to your beneficiaries if you pass away. Different types of life insurance policies are available, including term life insurance and permanent life insurance.

Accidental death and dismemberment (AD&D): This Insurance is a type of insurance policy that pays out a benefit if you die or suffer a severe injury due to an accident. This type of policy can provide additional financial protection in case of an unexpected event.

AD&D insurance can cover a range of injuries, such as loss of limbs, blindness, or paralysis, depending on the policy terms. The benefit paid out for an AD&D claim is typically based on the severity of the injury and can be a percentage of the policy's face value.

Benefits of Life and AD&D Insurance

Peace of Mind

Knowing that you have life and AD&D insurance coverage in place can provide peace of mind and reduce stress in case of unexpected events.

Flexibility

Life insurance policies can be customized to meet your needs and budget, with options such as term length, coverage amount, and payment schedule.

Tax Benefits

In many cases, life insurance death benefits are tax-free, providing additional financial protection for your beneficiaries.

There are many benefits to having a life and AD&D insurance, including

Financial Protection: Life insurance can provide financial protection for your family in case of your unexpected passing. It can help cover funeral costs, outstanding debts, and living expenses.

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Safe driver benefit
Child care benefit
Elder care benefit
Productivity & Absence
Employee value

Safe driver benefit coverage

Risk Factors

An employee may meet with an accident while returning home from your office. Unfortunately, the employee dies, and their family suffers.

Solution

Your beneficiary may receive an additional 10% of your benefit amount (up to $25,000) if you have a covered fatal car accident and are wearing a seat belt. In addition, this benefit will increase by 15 percent (up to $40,000) if the car you were riding in or driving also has factory-installed airbags that inflate properly upon impact.

Child care benefit coverage

Risk Factors

Your employee dropped their child to school and met with an accident on the way to the office.

Solution

If you have children under 13 and you die in a covered accident, a child care benefit of an additional 3 percent of your benefit amount (up to $2,500 per year) for up to six years may be payable to the person who has incurred the cost of daycare expenses.

Elder care benefit coverage

Risk Factors

Your employee passes away in an accident while their mother is the only family member left behind. She may need some assistance.

Solution

The beneficiary may receive an additional 5 percent of your benefit amount (up to $5,000) if you die due to a covered accident. At the same time, an elderly relative depends on you for support and maintenance.

Productivity & absence coverage

Risk Factors

Your employee is mentally disturbed because they have a mother who needs his support throughout, and this would result in less productivity.

Solution

A study found that in one year alone, adults lose more than 164 million hours of work per year due to dental diseases. Offering dental benefits encourages employees to seek out preventive care early on and avoids workers taking off for unexpected illnesses, and increases productivity, on the other hand.

Employee value coverage

Risk Factors

If an employer fails to offer benefits to its employees, the employees don’t feel valued, which eventually decreases their productivity and causes them to start losing interest in the company.

Solution

If you offer good benefits to your employees, they feel happy that the organization values them. But, in return, they also work hard to deliver their best and make it better for all.

At our Insurance Agency, we understand the importance of having the right insurance coverage to protect your loved ones and assets. Contact us to learn more about our life and AD&D insurance policies and how we can help you find the right coverage.

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