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.
Aerobic Heart Rate Zone. 1  This zone is from 70 percent to 80 percent of your maximum heart rate. You are now in the vigorous-intensity zone. 2  You will be breathing very hard and able only to speak in short phrases. 3  This is the zone to aim for when training for endurance.