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783 Rio Del Mar Blvd, Suite 7, Aptos, CA, 95003
Life and Health Bulletin
ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE: DO'S AND DON'TS
Given its low price, Accidental Death and Dismemberment insurance (AD&D) might sound like a good idea, especially when you see headlines about fatal crashes and freak accidents and think, "What if that happened to me?"
An AD&D policy will pay a lump sum of to your beneficiary if you die in an accident and a portion of the benefit to you if you're severely injured.
When it comes to AD&D, Here are a few do's and don'ts:
understand how the coverage works.
An AD&D policy will pay the full benefit if you die in an accident and spells out the percentages of payment you receive for injuries, such as loss of a limb, sight, or hearing. For instance, you might get 50% percent of the benefit if you lose a hand or foot, and 25% for the loss of an index finger and thumb on the same hand. Your death or injury must result directly from an accident and occur within a certain timeframe, usually 90 days.
consider it only as an extra - not a primary - layer of protection.
Although any premature death is tragic, an accidental death happens in a split second, giving a family no time to prepare. AD&D provides that extra layer of coverage that might be worth considering if you work in a dangerous occupation. However, you should not make it a part of your a financial plan.
count on it as a replacement for Life insurance.
An AD&D policy pays the full benefit only if you're killed in an accident. To provide a death benefit for your beneficiaries regardless of how you die, it's better to buy Term Life coverage - which costs about the same as AD&D if you're young and healthy.
think of AD&D as Disability insurance.
This coverage protects your most valuable asset - the ability to make a living and support a family - by replacing a portion of your income if you become disabled and can't work. AD&D provides a single lump-sum payment and only if you suffer certain accidental injuries as defined in the policy.
To see if AD&D is for you, feel free to give our insurance professionals a call.
Scurich Insurance Services
How A Pet Can Help You Live Longer
Your life insurance policy provides financially for your family, but you obviously want to live as long as possible. Pet ownership can help you achieve that goal.
Improve Heart Health
Your blood pressure and cholesterol could drop when you own a pet. Care for a cat, and your
heart attack risk
could drop by one-third. With these benefits, you improve your heart health and may prolong your life.
Obesity remains a top health concern because it can cause heart disease, diabetes and other health concerns. Your pet could help you maintain a healthy weight as you walk it, spend time cleaning its cage and perform other pet-related tasks each day.
Because your pet likes to exercise, you will move, too. Whether you walk your dog outdoors, play ball with your cat or chase your goat around the barn, the movement helps you reach your daily exercise goals and stay active. Plus, exercise boosts your immunity, decreases anxiety and improves your overall mood.
Erase the effects of a bad day when you spend time with your pet. A friendly greeting and social interaction can decrease your cortisol level and calm your nervous system.
Your body can fight off germs and illness thanks to your pet. As you laugh with your pet and groom it, your immunity gets a boost, and your body produces antibodies that fight germs.
Trained dogs can detect epilepsy, certain cancers and other illnesses in their owners. You can rely on your pet to provide an alert that allows you to seek medical help right away and address ongoing health problems.
Receive Disability Support
If you suffer from a disability, a pet can offer life-saving support. Use your seeing eye dog or another pet to improve your mobility and mental health.
Gain a Purpose
Feeding, walking and caring for your pet gets you out of bed each day. With a purpose, you’re more likely to avoid depression and choose to stay active and engaged in your life.
Cope With Trauma
If you face a serious illness or other
, turn to your pet for support. Your furry friend will listen to you, love you unconditionally and remain loyal throughout the ordeal.
Alternatives to Pet Ownership
Pet ownership improves your health. However, you may not want the financial or time obligations that accompany pet ownership. In this case, volunteer at an animal shelter, pet sit for friends or walk dogs after work.
Pet ownership can help you live longer. Whether you adopt a dog, cat, fish or snake, consider adding a pet to your home as you improve your health and quality of life.
Scurich Insurance Services
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