Bernadette, a 27-year-old single woman, earns $78,000 annually as a production assistant.

Accidental death and dismemberment (AD&D) insurance policies generally do not require medical underwriting, as they provide coverage specifically for accidents rather than health-related conditions. This lack of medical underwriting means that coverage often begins immediately upon acceptance of the application, which is why Bernadette’s policy effective date is the same as the date of acceptance​​. The absence of a health assessment or related underwriting requirements facilitates the quick initiation of coverage in AD&D policies.