Ryan Brady

And in terms of workplace benefits, AD&D is similar to basic group life insurance. You know, your workplace often gives it to you for free, and it typically has a coverage amount of one to two times your salary. So you probably already have basic AD&D coverage through your workplace as long as you've signed up for it.

And in terms of workplace benefits, AD&D is similar to basic group life insurance. You know, your workplace often gives it to you for free, and it typically has a coverage amount of one to two times your salary. So you probably already have basic AD&D coverage through your workplace as long as you've signed up for it.

But like group life insurance plans, you may be able to buy more AD&D coverage through your workplace. And this might be useful if you think you're prone to accidents, like if you have a slightly risky job or a risky hobby, let's say.

But like group life insurance plans, you may be able to buy more AD&D coverage through your workplace. And this might be useful if you think you're prone to accidents, like if you have a slightly risky job or a risky hobby, let's say.

But like group life insurance plans, you may be able to buy more AD&D coverage through your workplace. And this might be useful if you think you're prone to accidents, like if you have a slightly risky job or a risky hobby, let's say.

Yeah, so there's some overlap there. For example, accidental death and dismemberment insurance won't pay your survivors if you take your own life. And other common exclusions include death or injury from drug or alcohol abuse, criminal behavior, or natural causes. And I mentioned risky jobs and hobbies a second ago.

Yeah, so there's some overlap there. For example, accidental death and dismemberment insurance won't pay your survivors if you take your own life. And other common exclusions include death or injury from drug or alcohol abuse, criminal behavior, or natural causes. And I mentioned risky jobs and hobbies a second ago.

Yeah, so there's some overlap there. For example, accidental death and dismemberment insurance won't pay your survivors if you take your own life. And other common exclusions include death or injury from drug or alcohol abuse, criminal behavior, or natural causes. And I mentioned risky jobs and hobbies a second ago.

It's worth noting that some AD&D policies will actually exclude coverage for deaths resulting from certain high-risk careers or hobbies, such as working in law enforcement or going skydiving. So if you're an adrenaline junkie, you might run into some issues there.

It's worth noting that some AD&D policies will actually exclude coverage for deaths resulting from certain high-risk careers or hobbies, such as working in law enforcement or going skydiving. So if you're an adrenaline junkie, you might run into some issues there.

It's worth noting that some AD&D policies will actually exclude coverage for deaths resulting from certain high-risk careers or hobbies, such as working in law enforcement or going skydiving. So if you're an adrenaline junkie, you might run into some issues there.

Another thing worth pointing out is that if you die from an accident but not right away, your loved ones may actually not get any payout at all. A, B, and D policies often require the death to have followed a covered accident within a certain timeframe, typically a few months.

Another thing worth pointing out is that if you die from an accident but not right away, your loved ones may actually not get any payout at all. A, B, and D policies often require the death to have followed a covered accident within a certain timeframe, typically a few months.

Another thing worth pointing out is that if you die from an accident but not right away, your loved ones may actually not get any payout at all. A, B, and D policies often require the death to have followed a covered accident within a certain timeframe, typically a few months.

Yeah, so that's a great point. I'd say it's better to think of AD&D as a supplement to life insurance rather than a substitute. And that's because it's very limited in what it covers. For example, AD&D insurance won't cover deaths from illness or natural causes.

Yeah, so that's a great point. I'd say it's better to think of AD&D as a supplement to life insurance rather than a substitute. And that's because it's very limited in what it covers. For example, AD&D insurance won't cover deaths from illness or natural causes.

Yeah, so that's a great point. I'd say it's better to think of AD&D as a supplement to life insurance rather than a substitute. And that's because it's very limited in what it covers. For example, AD&D insurance won't cover deaths from illness or natural causes.

And that's pretty significant given that the chances of dying from an illness are actually greater than the chances of dying from an accident. But if you have it for free through work, hey, that's pretty great, right? It's a nice bonus. I just wouldn't put all my eggs in that basket, especially if you have loved ones who depend on you financially.

And that's pretty significant given that the chances of dying from an illness are actually greater than the chances of dying from an accident. But if you have it for free through work, hey, that's pretty great, right? It's a nice bonus. I just wouldn't put all my eggs in that basket, especially if you have loved ones who depend on you financially.

And that's pretty significant given that the chances of dying from an illness are actually greater than the chances of dying from an accident. But if you have it for free through work, hey, that's pretty great, right? It's a nice bonus. I just wouldn't put all my eggs in that basket, especially if you have loved ones who depend on you financially.