Events such as dismemberment due to a suicide attempt would fall under life insurance and would be an exclusion. It would not fall under an accidental death policy.. For example, if you commit suicide or attempt to hurt yourself on purpose, the AD&D policy would not pay out. The same holds true if the accident or your death is caused by a war. The policy would not pay out if the death or loss is caused by physical or mental illness, or if you die during surgery. And a bacterial infection, drug overdose or a hernia that contributes to your death or an accident would not be covered under AD&D, according to the language in many policies.
A target heart rate zone defines a range of heart rates or heartbeats per minute appropriate for achieving particular physical fitness goals. According to the Walking Site, a heart rate of 60 to 70 percent of your maximum heart rate is best suited for fat burning.
The heart rate at which an individual burns the highest percentage of calories from fat is known as the aerobic base. The aerobic base is typically anywhere from 40% to 70% of an individuals' maximum heart rate (the easiest method of guessing target heart rate is to subtract your age from 220).et's say a female walked for 30 minutes in the fat burning target heart rate. She felt no muscle burn and could sing while walking. In those 30 minutes, a 130-pound woman burns 150 calories, and 70 calories burned are from fat.