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Ask Dave

Accidental Death and Dismemberment

Dave tells Kim that accidental death and dismemberment insurance is a gimmick - you're not double dead if you die by accident!

QUESTION: Kim is enrolling for benefits. She asks why Dave doesn’t recommend accidental death and dismemberment. It’s a gimmick, Dave says.

ANSWER: You’re not double dead if you die by accident. Accidental death and dismemberment is a gimmick. Your family needs the same amount of life insurance no matter how you die because they need to replace your income.