Well to keep it short and to the point, you want to have more life insurance than ad&d, your paying an extra amount in the premium for a just in case scenerio, when you could be putting that money that would have all gone into the life insurance and would grow your cash value alot quicker. When choosing a company the most important things to consider are 1. are they a stock company or are they a mutual company, if its a stock company the dividens paid back to policyowners are not as large as a mutual company like Northwestern Mutual 2. what is their mortality rate, right now Northwestern Mutual has the lowest mortality rate in the industry, that means all the money that they would be paying out in death claims are now being paid back to the policyowner as a dividend. 3. what is their expense ratio., again Northwestern Mutual has the lowest expense ratio in the industry , the less they spend on advertising the more they have to give back to the policy owner. Northwestern Mutual has also been named the "most admired" life insurance company 25 years in a row by Fortune Magazine. To get in touch with a Northwester Mutual agent please call 631-244-8500 ext 2230 to set up an appointment. Thanks and I hope you find this information helpful.