Here are a few tips: * Always wear your seatbelts when traveling in the front or backseat of a car. * Look around your house for accident spots that can literally trip you up: uneven steps or bricks, poorly lit areas, clutter on staircases and high-traffic areas, and holes or depressions around your property. * If you enjoy bicycling, always wear a helmet when you ride-and make sure you're wearing it correctly. * Take correct safety precautions when working with tools-electric and otherwise. The ROA Group Life and Accidental Death and Dismemberment (AD&D) Insurance Plan features a number of different benefit amounts at affordable group rates.