BofA sent me an offer of free Accidental Dismemberment and Death Insurance with the option (imagine that!) of buying up more. Coverage is through the Hartford. For kicks, I read through it a little bit:
The Hartford will not pay more than the Principal Suim for all Losses due to the same accident. Loss means, with regard to hands and feet, actual severance through or above wrist or ankle joints; with regard to sight, speech, or hearing, entire and irrecoverable loss thereof; with regard to thumb and index finger, actual severance through or above the metacarpophalangeal joints.
You just gotta love lawyers for keeping it all straight for us.
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