Is Voluntary life AD&D worth it?

However, the employee may have to pay more to keep the coverage going forward. Is voluntary AD&D worth it? Voluntary AD&D could be worth it for those who want some measure of life insurance coverage but cannot afford a voluntary term life insurance policy.

https://www.fool.com/the-ascent/insurance/life/voluntary-life-insurance/#:~:text=However%2C%20the%20employee%20may%20have,voluntary%20term%20life%20insurance%20policy.

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