Accidental life insurance

Accidental Death Policies: When is it Accidental?

McKennon Law Group PC is one of California's' leading bad faith insurance, ERISA, and consumer litigation attorney law groups. Accidental Death & Dismemberment (AD&D) insurance pays the insured and his or her beneficiaries a set amount of money if the insured’s death or dismemberment is the direct result of an “accident.” In the event of a death caused by an accident or an accident that results in the insured losing his or her eyesight, speech, hearing, or a limb, AD&D will pay the insured or his or her beneficiaries a specified amount. The term “accident” has been given many different meanings in insurance policies and has been heavily litigated...

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Accident Recovery Insurance Policy Benefits, AA New Zealand

AA Life Accident Recovery What’s covered Under this policy, cover is provided if you: are disabled as the result of an Accident. are hospitalised as the result of an Accident. die as the result of an Accident. What’s not covered Please see the Accident Recovery policy document for a full list of exclusions, but these are some of the main areas not covered: you participating in, or practicing for, any race, sport or activity of any kind (except racing on foot) for which you have received, within the previous 2 years, any type of reward any Injury that you had, or had the indications of, before the Accident a deliberate act by you causing Injury to yourself, whether you are sane or insane,...

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Ask the Biz Brain: Can I cash out my death benefit policy?,

Q. For a number of years I have been paying into an accidental-death insurance policy that I got from a department store credit card. I would like to get rid of it. Can I extract any money from this policy upon cancellation? A. The Brain loves to give good news, but there's not much good to say here. Except, maybe, that your heirs haven't had a need to make a claim on that policy because you haven't suffered a fatal accident. In short, no, you generally can't recover any money from that kind of policy. "Those are often low-cost term plans that do not accumulate a cash value," said Vince Pallitto, a certified financial planner and certified public accountant with Summit Asset Management in...

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How Does Accidental Death Life Insurance Work? Is It Worth The Money?

How Does Accidental Death Life Insurance Work? Making sure that your loved ones are protected financially in case of the unexpected can be essential to their well-being – and it can essentially make the difference between those who you care about being able to go on with their current lifestyle, or struggle to make ends meet in the future. Having a life insurance policy in place can be one way of ensuring that your survivors will obtain the financial protection needed. But there are also ways to allow for additional funds – which can be necessary in the case of an accident. This is by obtaining an accidental death policy. Maybe you’re concerned because you may not qualify...

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Your Money: 'Accidental Death and Dismemberment' insurance is cheap, but you get what you pay for,

Q. I’ve received a lot of offers for accidental death and dismemberment insurance lately. The premiums seem very low compared to my other insurance policies. How do I know if it’s worth it? Accidental death and dismemberment policies are a very specific kind of policy. They generally pay your beneficiaries if you die by an accident, or if you’re dismembered. That could include the loss of a limb, or even your eyesight. These policies are generally marketed by credit cards and mortgage companies, with the idea that your heirs could use the proceeds to pay off whatever debts you had during your lifetime. But most of the time, these aren’t necessarily the best kinds of...

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Learn About Denial of Accidental Death and Dismemberment (AD&D) Claims

AD&D Denied Life Insurance Claims Accidental Death and Dismemberment (AD&D) policies—life insurance policies that pay out only in the event of an accident—are popular for several reasons. First, they can be purchased separately or as an inexpensive add-on to other life insurance. Second, AD&D policies are offered through a variety of channels that other types of life insurance typically are not. For example, you may be offered AD&D coverage through your credit card issuer. Insurance Companies Have an Incentive to Deny AD&D Claims One of the key reasons that AD&D policies are so popular often turns into a liability when a beneficiary files a claim under...

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Accidental Death and Dismemberment Insurance

Accidental death and dismemberment insurance You've probably received offers for accidental death & dismemberment (AD&D) from your credit card companies, mortgage holder, bank or other organizations. But it's important not to confuse this type of insurance with standard life insurance. It's especially important to avoid relying solely on AD&D to provide for your dependents in the event of your death. AD&D policies are relatively inexpensive and easy to understand. At first blush, purchasing an AD&D policy might seem like a wise investment for anyone. If you die accidentally, your beneficiary stands to collect lots of money. If you lose an arm or other limb, or your sight...

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Hang Seng Life Insurance - Medical Protection - Refundable Accident Protection Life Insurnace Plan

Only open for enrolment by selected customers, without any requirement for medical proof or medical checkup at all. 100% Premiums Refund upon Policy Maturity 100% refund of the total premiums paid will be payable upon policy maturity if the policy remains in force, even if any claim has been made on the Accidental Disability and Dismemberment Benefit (provided that the total claim amount is less than 100% of the benefit amount), Accidental Medical Expense Benefit or Accidental Fracture Cash Benefit. Accidental Death, Disability and Dismemberment Benefits Up to HKD800,000 will be payable in accordance with the Benefit Schedule, in the unfortunate event of the Insured Person’s death,...

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Accidental death insurance is usually a bad investment, Financial Post

I am probably jinxing myself, but the odds are against me dying in an accident — especially in a way that would let my family cash in on an accidental death benefit. “Act now!” You probably get the form in the mail too, if you have a general life insurance policy. It’s an offer to increase your coverage through accidental death for what seems like a paltry monthly amount. But is it really worth the money? Am I really likely to die in an accident? According to Statistics Canada, accidents or unintentional injuries were the fifth leading cause of death in 2008 — the latest information available. Cancer was No. 1, followed by heart disease, stroke and respiratory...

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Life Accident Insurance - Human Resources - Western University

Life & Accident Insurance The life insurance program provides for a benefit upon death while in active service. In recognition of families with various needs for life insurance, a member of the program may choose the amount of benefit needed (in $50,000 benefit increments) up to $500,000. As family situations change, members may elect more or less life insurance. The cost of the life insurance will vary depending on the member’s gender, age and smoking habits. If a member chooses to increase the life insurance benefit beyond the enrolment period, he/she may be required to complete a health questionnaire. ( Click here to view a rate table ) Members with a spouse or eligible...

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