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Why A&D Riders are Essential for Your Insurance Clients



As an insurance agent, it's important to educate your clients on the various options available to them to ensure they have the coverage they need. One option that is often overlooked is an A&D rider, also known as an accidental death and dismemberment rider.


An A&D rider is an added provision to a life insurance policy that provides additional coverage in the event of accidental death or dismemberment. This means that if your client were to suffer a serious injury or die in an accident, their beneficiary would receive an additional payment on top of their life insurance payout.

Here are some reasons why A&D riders are essential for your insurance clients:


Accidents are More Common Than You May Think: Understanding the Risk of Accidental Injury or Death


Accidents can happen to anyone, at any time. In fact, the National Safety Council estimates that a person has a 1 in 114 chance of dying from an accidental injury. An A&D rider can provide added protection for your clients in the event of an accidental death or serious injury.


A&D Riders Can Provide Extra Financial Security for Beneficiaries in the Event of an Accident


In the event of an accidental death or injury, an A&D rider can provide extra financial security for your client's family or beneficiary. This additional payment can help cover unexpected expenses, such as medical bills or funeral costs.


Customizable Coverage Options: Tailoring A&D Riders to Fit Your Client's Needs and Budget

A&D riders are customizable and can be tailored to fit your client's specific needs and budget. This means that you can help your clients find a policy that offers the coverage they need at a price they can afford.


The Importance of Educating Insurance Clients on Available Coverage Options, Including A&D Riders


It's important to educate your clients on the potential risks of accidental injury or death and the added protection that an A&D rider can provide. Accidents can happen to anyone, at any time, and having an A&D rider can provide extra financial security for your client's family or beneficiary in the event of an accidental death or injury.


Final Thoughts


In addition to the added protection, A&D riders are also customizable. This means that you can help your clients find a policy that offers the coverage they need at a price they can afford. By educating your clients on the various coverage options available to them, including A&D riders, you can help them make informed decisions about their coverage and ensure they have the protection they need.


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