Voluntary AD&D coverage for your Dependent(s), if elected, becomes effective on the later of the date you apply for Voluntary AD&D insurance for your Dependents, and the date your Voluntary AD&D insurance becomes effective. You are eligible on the ï¬ rst day of the calendar month following the date
Experience the magic of SnÃ¦fellsnes. The SnÃ¦fellsnes peninsula in West Iceland is almost a miniature version of the island. In addition to its characteristic SnÃ¦fellsjÃ¶kull glacier, there are black sandy beaches, bird cliffs, spectacular mountains and volcanic craters.
Frostmoon Crag. Frostmoon Crag a large rock overhang inhabited by werewolves, located west-south-west of the Altar of Thrond. Rakel will be the first to talk to any visitor and should the Dragonborn be a werewolf, the other members of the pack will tell stories and even sell rare rings. They will quickly become hostile towards any non-werewolves, though.