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.
Once you know your maximum heart rate, you can calculate your desired target heart rate zone â the level at which your heart is being exercised and conditioned but not overworked. Here's how heart rate matches up with exercise intensity levels: 1  Moderate exercise intensity: 50 to 70 percent of your maximum heart rate.or example, say your age is 45 and you want to figure out your target heart rate zone for vigorous intensity exercise. Subtract 45 from 220 to get 175 â this is your maximum heart rate. To get the lower end of your target zone, multiply 175 by 0.7 to get 123. To get the higher end, multiply 175 by 0.85 to get 149.