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Risk Classification | AD&D

This video explains the following terms: "Risk Classification," and "Accidental Death and Dismemberment Clause." In insurance, risk classification involves categorizing policyholders into different risk pools based on factors such as age, gender, occupation, health status, and lifestyle habits. This classification helps insurance companies determine appropriate premiums for each group, reflecting the likelihood of claims being made. An Accidental Death and Dismemberment (AD&D) clause is a provision typically found in insurance policies that provides additional coverage in the event of accidental death or serious injury resulting in dismemberment (such as the loss of a limb or sight). An Accidental Death and Dismemberment clause provides benefits for death due to an accident or loss of one or more hands, feet, arms, legs, or sight