MYTH: "We don't need accidental death insurance with our life insurance -- it's a waste of money because people mostly die of natural causes."

The leading cause of death in people 45 and younger is by accident and complications from injury caused by an accident. In fact, most insurers include AD&D coverage with group life insurance plans and are offering it at extremely low rates. Do you have an employee population of mostly young people? Have you considered the increased risk of accident for this group? 4A's Benefits can provide the answer to your questions. For more information or a group life insurance proposal, please contact Elyse Congdon at econgdon@aaaabenefits.com or Tom Kennedy at tkennedy@aaaabenefits.com.