Re: I've heard that can be a problem
This response really made me laugh, which, right now is a good thing!
My wife and I use Amica insurance for automobile and home coverage. (Fidelity seems superior for Life insurance.) Our other types of insurance come through my wife’s employer.
Yesterday I received a form letter from our credit union, offering us a supposedly good deal on “Accidental Death & Dismemberment insurance”, which for the rest of the letter was abbreviated as “AD&D insurance”.
I think it was the ampersand that really made it funny.
I could imagine a sign at the comic book shop: “Is your character starting a particularly dangerous adventure? Buy AD&D insurance. If your character dies, our team of exceedingly high-level adventurers will follow his or her footsteps and retrieve all of his or her items for use with your next character.”