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.
2. Determine Your Resting Heart Rate. Take your pulse before you get out of bed in the morning. Do this for several days in a row to get consistent readings. 3. Calculate Your Heart-Rate Reserve. Subtract your heart's resting rate from your maximum rate. For example, if you are 40 years old, subtract that number from 220; your maximum rate is 180. Next, subtract your resting rate, 80 in this example. Your heart-rate reserve is 100 beats per minute. This heart-rate reserve represents the cushion heartbeats available for exercise. 4. Calculate Your Aerobic Training Heart-Rate Range for Fat Burning. This fat-burning range will lie between 50 and 75 percent of your heart-rate reserve. Using the example above, 50 percent of 100 beats per minute is 50. And 75 percent of 100 is 75. Next, add your resting heart rate to both numbers: 50 + 80 = 130 and 75 + 80 = 155.