Would you or your family be financially prepared if you were seriously injured ? or worse ? killed in an accident??While AIA Members can take every conceivable precaution to prevent an accidental death or injury, they still occur.?
In fact, according to the 2011 Injury Facts Report by the National Safety Council, someone is injured in an accident every second. Overall, 38.9 million medically consulted injuries occurred last year. Of that, 128,200 people died as a result of an accidental injury.
While it is not plausible to presume one can escape an accident, it is entirely possible to prepare for it. Many Americans don?t understand the importance of having accident insurance. While auto insurance helps in the event of an accident, it may not cover all the resulting problems. Life insurance pays benefits to your family only when death results. Accidental Death and Dismemberment (AD&D) insurance is designed to pay your family a lump sum benefit if you were to die as a result of an accident. Importantly, it also provides coverage for you for certain covered injuries caused by an accident. These benefits can then be used to help replace lost income, pay everyday living expenses, medical bills or meet other financial obligations.
AD&D insurance also provides coverage for you for certain covered injuries caused by an accident.
If you were to fall victim to an accident-related injury or death, an Accidental Death and Dismemberment Insurance plan would help to protect your family?s future financial needs. Many plans even offer benefits to help ensure your children are able to continue their education should your family lose you to an accident.
Here is what you can expect from most AD&D plans:
- High benefit amounts ? some policies offer up to $500,000 in benefits.
- Payment in addition to other coverage, including life insurance.
- Special education benefits to help pay for your children?s education.
- Broad coverage for an accident that happens while you are at work, home, or traveling.
AD&D coverage is usually guaranteed acceptance with no medical requirements and is paid in addition to any life insurance you may currently have in the event of an accidental death. If you decide to purchase AD&D coverage, you should carefully review the benefits, rates and providers of the coverage to make sure it offers the best accident protection to meet your needs.
The AIA Trust has partnered with New York Life Insurance Company to offer you the coverage you need. AM Best has given New York Life Insurance Company a Financial Strength Rating of A++, their highest possible rating (6/5/12). Through this partnership, the AIA Trust is able to provide you with affordable Group Accidental Death and Dismemberment protection at affordable group rates. For more information, visit here.
The Group Accidental Death and Dismemberment Insurance Plan is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR, under Group Policy G-29059-3/FACE.
Source: http://www.theaiatrust.com/newsletter/2012/10/prepare-for-the-unexpected/
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