Buckle Up and Don’t Forget to Pack Your AD&D Insurance
The United States’ Centers for Disease Control and Prevention (CDC) ranks deaths resulting from accidents as the fourth leading cause of death for US citizens. Accidents include everything from car accidents, to falls and drowning. But US citizens traveling or living abroad also experience devastating accidents—those that kill or maim—at rates that shouldn’t be ignored.
The US Department of State shows that, sadly, between June 2003 to June 2016, there were at least 10,883 reported deaths of US citizens due to non-natural causes overseas. Of those fatalities, 29.5% were the result of vehicular accidents; 22.3% from homicides and terrorist actions; 15.7% from other accidents including train and aircraft accidents, natural disasters as well as falls, mountain climbing accidents and rafting; and 14% from drowning and maritime accidents.
Traveling or relocating beyond the US is generally an enlightening and worthwhile endeavor, one we at Insurance Services of America have experienced first-hand and recommend to our friends and family. Clearly, though, there are risks abroad just as there are at home. That’s why we are glad to offer affordable Accidental Death insurance to our clients. Our High Limit Accidental Death Insurance underwritten by Lloyd’s of London, is one such plan our clients appreciate for its ample benefits and low cost.
For example, a client recently purchased this plan for her young daughter living in Honduras. For just $21.50 a month, should the worst happen while living overseas, a $100,000 benefit would be paid to her beneficiary. This plan is easily scaled up or down to suit our clients’ various financial needs; up to $1,000,000 in coverage. It even provides optional terrorism and war coverage, as well as an optional dismemberment benefit. Protection can also be secured not only for use abroad but also for use here in the USA even if you’re not planning going overseas.
Getting a quote is quick and simple. Once you accept the quote an easy one page application with no medical evaluation is then completed – so easy – so quick—there is really no excuse to not purchase this low cost invaluable insurance.
While this coverage can’t prevent a fatal accident from happening, it can ensure financial peace of mind for your loved ones. And if an accident causes a debilitating injury, such as the loss of a hand or foot or even loss of vision, the optional disability insurance portion of the plan can help offset loss of income.
With traffic accidents being so commonplace, whether they result in death or severe injury, securing Accidental Death and Dismemberment (AD&D) insurance is a wise decision when traveling or relocating overseas. Send us a message through our Chat box or call (800) 647-4589 to speak to a friendly Client Advisor for a fast and free quote.