Comments on: Beware Bank-paid Complimentary AD&D Insurance

By: Russ

Russ — Tue, 13 Dec 2011 15:22:42 +0000

Sounds Like I don’t have a lot of money and no I dont. Disabled with Parkinsons. Every dime counts, just like you.

By: Russ

Russ — Tue, 13 Dec 2011 15:19:19 +0000

Was dumb enough to sign up for the AD and D in 2009. Asked them to stop coverage and stop raiding my checking account a yr and a half ago. The Hartford always said ok but next quarter charged me and bounced me. It takes M and T 5 days to notify you via mail of an overdraft and darned if that isnt the time allowed for them to take MORE money from you. Cancelled Hartfords A D and D 5 times now. Still paying for it and another overdraft!!!

By: Victor

Victor — Wed, 11 May 2011 20:45:19 +0000

If you are young, you most of the time pass from an accident. When you are older it is most of the time illness. So if you are young and not ready to commit to a whole life etc. the accident would be good for your parents so they can bury you…

By: Richard Baldwin Cook

Richard Baldwin Cook — Mon, 17 May 2010 20:25:51 +0000

Note that “life insurance” is not exactly what this offer is. The offer I received is for: accidental death / dismemberment. Death by disease, illness or natural causes is not covered.

By: Richard Baldwin Cook

Richard Baldwin Cook — Mon, 17 May 2010 20:23:06 +0000

You mentioned “life insurance” so be sure to cgras that this is ins for one thing only accidental death / dismemberment. Death by disease, illness or natural causes is not covered.

By: rick

rick — Fri, 15 Jan 2010 17:02:52 +0000

Appears that all this is good for is ACCIDENTAL death. If you die from disease or natural causes, which most people do, this will not pay off. Also I am sure there are limits for dismemberment, like your hand gets cut off.

By: jared

jared — Fri, 16 Oct 2009 21:29:41 +0000

It would be expensive, my wizard only has 20hp at max health, he’s high risk!

By: Caitlin

Caitlin — Fri, 16 Oct 2009 18:54:17 +0000

That’s the first thing I thought of when I read the title too! Haha! ^_^

By: eric

eric — Fri, 16 Oct 2009 04:55:10 +0000

My eyes automatically detect fine print these days.

By: Rob Carlson

Rob Carlson — Thu, 15 Oct 2009 23:57:35 +0000

The Hartford seems to like to piggyback on existing bank and credit union customers. I got (and accepted) the same $1000 offer through my local credit union.

By: mga

mga — Thu, 15 Oct 2009 22:23:36 +0000

Thanks for explaining what AD&D was – I had no clue. Which gives me an idea for a future article – What is in your insurance portfolio?

I’ve got Auto, Home, Umbrella, and Health.
I’m self employed, and went with a cheap health plan that will kick in for major emergencies, but small ones probably won’t get up to the deductable. My mom recommended the Umbrella policy incase someone breaks their leg on my property and tries to sue the pants off me.

By: freeby50

freeby50 — Thu, 15 Oct 2009 21:41:16 +0000

They have insurance for Advanced Dungeons & Dragons?

By: Robert

Robert — Thu, 15 Oct 2009 21:27:00 +0000

Anything that is complimentary probably isn’t as good as the real thing.

By: Kosmo @ The Casual Observer

Kosmo @ The Casual Observer — Thu, 15 Oct 2009 21:11:58 +0000

How can the BoA offer not be fraudulent?

1) 10 months is not the same as a year
2) $1000 coverage for 10 months is not the same as $10,000 of coverage. That would be like the FDIC saying your bank account was insured for 100K during 2009 – $8333 in Januarym $8333 in February …

Luckily, the AD&D I get through work is cheaper than either of these options.

By: Jim

Jim — Thu, 15 Oct 2009 20:33:13 +0000

Just watch out when they autobill you.