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    • Home
    • Industry
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      • About Us
      • Our CEO
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      • Make claim / make payment
      • Privacy Policy
      • Contact Us
    • 한국어

  • Home
  • Industry
  • Business
  • Personal
  • Employee Benefits
  • About
    • About Us
    • Our CEO
    • Resources
    • Featured Insights
    • Make claim / make payment
    • Privacy Policy
    • Contact Us
  • 한국어

Life AD&D

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In times of serious injury or death, families often face immense challenges, both emotionally and financially. Unexpected expenses can exacerbate the stress of these situations. Life AD&D insurance serves as a crucial safety net, offering support to both individuals and employees during these life-altering events. By providing financial protection and peace of mind, this strategy empowers employees to stay financially secure and better prepared to navigate unforeseen circumstances. 

Q1. What is Life Accidental Death & Dismemberment (AD&D) insurance?
Life AD&D insurance is a type of financial protection plan that provides benefits in case of accidental death or serious injury. Unlike traditional life insurance, which covers death from any cause, AD&D specifically focuses on accidents.

Q2. What does Life AD&D insurance cover?
Typical coverage includes:

  • Accidental Death Benefit: A lump sum payment to beneficiaries if the insured dies due to a covered accident.
     
  • Dismemberment Benefit: Payments if the insured suffers a serious injury, such as losing a limb, eyesight, speech, or hearing due to an accident. Benefit amounts are usually a percentage of the total coverage based on the injury.
     
  • Accidental Injury Coverage: Reimbursement for medical costs like hospital bills, surgeries, and rehabilitation after covered accidents.
     

Q3. Are there coverage limits or exclusions?
Yes. Policies outline:

  • Maximum benefit amounts
     
  • Exclusions, such as death or injury from illness, suicide, self-inflicted injuries, war, or high-risk activities (like skydiving) unless specifically covered
     
  • Specific conditions for certain benefits, such as accidents occurring while traveling or using public transportation
     

It’s important to review the policy details to understand what is and isn’t covered.

Q4. How are premiums determined for AD&D insurance?
Premium costs depend on factors like:

  • Age and health of the insured
     
  • Occupation (high-risk jobs often mean higher premiums)
     
  • Coverage amount and any added benefits or riders
     

Q5. Can Life AD&D insurance be added to existing life insurance?
Yes. Many people purchase AD&D insurance as a standalone policy or as a rider to supplement traditional life insurance, adding extra protection for accidents without replacing their standard coverage.

Q6. Why is Life AD&D insurance important?
It provides an extra layer of financial protection for individuals and their families, helping cover funeral costs, ongoing living expenses, or medical bills after a serious accident. This ensures loved ones are supported during unexpected hardships.


 

Industry

- Financial Services

- Wholesale / Distributor

- Restaurant

- Real Estate

- Trucking

- Contractors

- Life Sciences

- Manufacturing

- Retail

- Religious Organization 

ECONO STRATEGIES AND SOLUTIONS

dedicated service for plan admin

dedicated service for plan admin

dedicated service for plan admin

Enrollment, termination, change request.

Monthly report, Invoice, etc.

quarterly risk analysis

dedicated service for plan admin

dedicated service for plan admin

 Once we identify what's effective and where challenges lie, we'll collaborate on crafting short and long-range strategies to propel you forward. 

renewal marketing

dedicated service for plan admin

compliance support

  Grasp business ops, review benefits. Measure against industry standards. Optimize offerings. 

compliance support

personalized service

compliance support

 Dynamic benefits management. Stay compliant. Adapt, minimize risks. ERISA, DOL, HHS, IRS compliance. Futuristic planning. 

Insurance Planning

personalized service

personalized service

 Pinpoint compliance issues, find cost-saving chances, assess successes and failures. Tailor a plan to tackle these. Set deadlines and assign responsibility for each task. 

personalized service

personalized service

personalized service

Provider search, claim assistance,

 example alerts & forms for COBRA, HIPAA, and other regulations. 

Contact Us

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Advisor: Jake Kim 201-482-5394

Econoworld Agency, Inc.

222 Bruce Reynolds Boulevard, Suite 440 Fort Lee, NJ 07024, United States

1560 Broadway Suite 800, New York, NY 10036 United States

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08:30 am – 05:30 pm

life insurance

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Econoworld Agency, Inc.

222 Bruce Reynolds Blvd. Suite 440, Fort Lee NJ 07640

800-977-8909

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