Hello everyone! I'm a consumer, not an agent, and I'm trying to find opinions based on real-world experiences dealing with AD&D policies.
I get a small Accidental Death policy through my employer, but I'd like to get more than they offer. Due to a medical diagnosis, I can't get a Term Life policy, so as far as I can tell AD&D is my only option to give my family some peace of mind. (don't get me started on the medical limitations; the doctors are 100% certain I'm in the clear but that doesn't matter apparently).
So many companies offer AD&D, but not all directly to consumers; Gerber, Mutual of Omaha, Aflac, any others?. What should I be looking for in a provider? Are some easier to deal with when it comes to settlements?
Thank you in advance?