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Lethality (also called deadliness or perniciousness) is how capable something is of causing death. Most often it is used when referring to diseases, chemical weapons, biological weapons, or their toxic chemical components. The use of this term denotes the ability of these weapons to kill, but also the possibility that they may not kill.
While some life insurance companies may decline to extend coverage to a high-risk individual, other companies may offer a policy at a higher premium or offer a policy with an exclusion if death ...
Between AD&D and term life, term life covers more causes of death. AD&D insurance can be purchased as a standalone policy or as a supplement to life insurance or voluntary employee benefits.
Accidental deaths are the fifth leading cause of death in the U.S. [1] as well as in Canada. Accidental death insurance is not an investment vehicle and thus clients are paying only for sustained protection. Most policies have to be renewed periodically (with revised terms), although the client's consent with renewal is often implicitly assumed.
In the event of an accidental death, accidental death and dismemberment insurance, often abbreviated as "AD&D", will pay benefits in addition to any life insurance held by the insured. Accidental deaths are the third leading cause of death in the U.S. [4] Some accident insurance policies will include benefits for accidental death and dismemberment.
Whether or not a life insurance policy covers suicide largely depends on the type of policy you hold and the specific terms within it. Many life insurance policies include a “suicide clause ...
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person.
An accidental death is an unnatural death that is caused by an accident, such as a slip and fall, traffic collision, or accidental poisoning. Accidental deaths are distinguished from death by natural causes, disease, and from intentional homicides and suicide. An accidental death can still be considered a homicide or suicide if a person was the ...