Would you add AD+D insurance?

[BAMFMrsB]

I can add Accidental death and dismemberment insurance to my coverage for either me, me+kid, me+spouse, or me+family.

The cost is between (per pay period) $.70 - $10.75 depending on how much coverage, and what combo above I choose, for $50k - $500k.

If you have it, how much and for whom?

[Kore]

I added it. It's super cheap, and I'm more likely to die from an accident at 32 than illness.*


*I just made that up, but it sounds plausable. lol.

[jennistarr1]

to me...this is just my opinion...but I think it's more important on the adults because you'll be losing a salary for the family if one of you gets dismembered and can't work (or dies). So I have it on just me, and H has it on just him and it's only 1-2 per pay period...enough that we don't miss it.

[arch01]

ours is 100% covered by my employer, it's 2x our salary. DH has the same thing through his employer.

[Deleted]

usually adding AD&D to a life policy is pretty cheap in comparison to the basic life so I would. A lot of policies also provide payouts for other things too--like if you lost your legs in a car accident or similar, they would pay 1/2 the policy benefit.

[BAMFMrsB]

I've chosen $100k for me+fam (me, DH and/or baby) @ $2.15 per pay period. Hopefully we never need it.

:::knocks on wood:::