Not to be dark, but...are you someone more likely to die in an accident (to you drive a lot, work in high places, etc.). If not....you would probably be better off spending the $130/year on something else, IMO

[ 08 February 2007: Message edited by: Michelle ]

You might want to call the broker and ask him/her to go over in detail what you would be covered for that you are not covered for now. Different policies may or may not provide coverage based on (a) the cause of the injury - ie. slip and fall versus car accident and (b) the type of damage/loss.

If you are looking for good worker-oriented AD&D/life insurance plans, there are a couple places to try:

Working Enterprises Insurance is part of a cooperative owned by seven labour unions set up to provide affordable and quality insurance services to working people, without all the hassles and heavy legalistic BS normally found among insurance companies (especially when it comes to paying out benefits).

A lot of what they offer is pretty good. I know they have AD&D benefits for as low as $6 a month (of course, it won't be a huge amount of pay-out). They also have really solid home insurance plans. I don't know how much work they do in Ontario, but I do know they have some stuff going on there.

AIL--Canada is another union outfit, which I don't know that much about. My parents had life insure plans with them, they were quite efficient and made no bones about promptly paying.

Apparently, they are offering very cheap AD&D plans with low income folks.