Voluntary life insurance AD&D through work. Worth it?

[MVal]

My company always offers Voluntary Life and AD&D insurance at cost of about $1 per $10,000 of coverage per month. When is this a good idea to purchase? If you are single and have no children, is this kind of insurance even useful?

[Guses]

Do you have enough gold to pay for it? What is the payout if a dragon or a wizard gets you? Resurrection is not a cheap service you know.

[dogboyslim]

AD&D is good for younger people who's most likely death would be caused by an accident.  It is less expensive than other policies usually since certain types of death are excluded from payout.  That said, if you are single and healthy with no family illness history and with no dependents, I wouldn't put too much money into life insurance of any type.

[I'm a red panda]

My work offered AD&D that also included travel insurance in it.  For that, it was worth it. (Also if I ever chopped off a thumb; thumbs were worth more than other fingers.)

The travel insurance was only for medical evacuation type situations, not 'canceled vacations', but still, worth it, since we often go to remote places where I would not want my medical care to take place.

[MustacheExplorer]

Chopping off your own thumb is probably excluded.  Make sure someone else does it.

[MVal]

My work offered AD&D that also included travel insurance in it.  For that, it was worth it. (Also if I ever chopped off a thumb; thumbs were worth more than other fingers.)

The travel insurance was only for medical evacuation type situations, not 'canceled vacations', but still, worth it, since we often go to remote places where I would not want my medical care to take place.

Wow, I didn't know AD&D might offer that. But don't most credit cards also offer some kind of built in travel insurance as well?

[I'm a red panda]

Chopping off your own thumb is probably excluded.  Make sure someone else does it.

I think it looked like a woodworking accident would have been covered. They might investigate it to make sure it was truly accidental.

My work offered AD&D that also included travel insurance in it.  For that, it was worth it. (Also if I ever chopped off a thumb; thumbs were worth more than other fingers.)

The travel insurance was only for medical evacuation type situations, not 'canceled vacations', but still, worth it, since we often go to remote places where I would not want my medical care to take place.

Wow, I didn't know AD&D might offer that. But don't most credit cards also offer some kind of built in travel insurance as well?

All policies might not, so you may want to check it out.  I don't think credit cards offer the kind of protection this offered- they generally do more of the "trip protection"- like if your flight gets canceled and you lose a hotel deposit, or if your luggage is lost; they aren't going to pay the tens or even hundreds of thousands to have a medical evacuation back to the US.