Healthily 27 year old male tax senior, should I get ad&d insurance?

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Do you have outstanding debts that you wouldn’t want to burden a loved one with in the event of your passing? Or that you couldn’t pay off if dismembered?

My general take is that if you’re unmarried, no debts, then skip. If you’re married and risk averse, get it.

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I have supplemental accident/short term disability that protects 100% of income. Long-term disability supplement that protects 60% of my salary. That peace of mind is worth the $5/month out of my paycheck.

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If any insurance is a few bucks a month I do it… I double my life insurance

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Much more important to have a solid own occupation disability policy

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Do you have anyone that depends on you for financial support?

Mine is only $0.35 per paycheck

Give your parents something nice while they’re mourning their beloved child.

As much as you can get cheaply without evidence of insurability. You never know.

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