Should I Get an Accidental Death Benefit Rider?

Should I Get an Accidental Death Benefit Rider?

Do you work in a job that involves a lot of health risk? Perhaps you do a great deal of heavy lifting, work on a construction site or in a coal mine, or find yourself frequently on the road.

If this sounds familiar, attaching an “accidental death benefit” (ADB) rider to your term life policy may be a worthwhile acquisition. According to New York Life, ADB riders provide additional benefits to your family if you die as a result of physical injuries resulting from accidental circumstances while on the job.

Read More

How to Prevent a Candle-Related Fire

How to Prevent a Candle-Related Fire

The risk of an unexpected tragedy is often cited as one of the main reasons for people to protect loved ones with a life insurance policy. However, individuals can also reduce their chance of becoming another statistic with some common sense.

In fact, the American Candle Association notes on its website that about 85 percent of candle-related fires can be prevented with some basic safety steps.

Read More