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In the United States there are four group plans offered for accidental death and dismemberment insurance or AD&D Insurance. There is group life supplement, travel accident insurance and voluntary.

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AD&D insurance is a type of insurance that covers death or special types of injuries. This insurance will pay even if you have any other type of life insurance in effect. The really good thing about accidental death Insurance is it covers accidents no matter where you are. You don't have to be at work or at home.

And believe it or not, it's really not very expensive. Just think; you can insure your eyes, loss of hearing, loss of speech or total paralysis in one benefit package. You can easily get about $100 thousand dollars of AD&D Insurance coverage for as little as $3.50 per month.

Another great attribute of having this Insurance is you get one large lump sum payment as opposed to small monthly payments. AD&D Insurance has some really good benefits. Some of these benefits include home renovations to accommodate a disabled family member of emergency evacuation.

If you are flying on an airplane, you can be protected on your way to the airport until you return from the airport. AD&D Insurance for air travel is especially beneficial for frequent air travellers. You can purchase AD&D Insurance online at any time before you decide to take a flight. With accidental death Insurance, it's highly unlikely that you will get turned down because of your health.

This type of Insurance can be purchased in short term or long term coverage. Short term AD&D Insurance is like substitute insurance for a short period of time.

The long term accidental death insurance can take you up to the retirement age. Nevertheless, you can stop thinking and contemplating on what will happen if you suddenly had to undergo a serious surgical procedure or go through a long period of medical treatment. Indeed, all of your worries will take care of themselves. Beneficiaries of your AD&D Insurance will be paid promptly in the event that you should die in an accident.

Of course, this is not a happy subject, but you can rest assured if you know that your family won't have suffered financially. Sometimes life deals us a bad hand. In a card game you cannot be prepared for a bad hand. In life you can be prepared if you take the time out to find the best AD&D insurance for you and your family.

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