Accidental Death Benefit

This policy might be a good fit for you if you:

• Work in a hazardous environment: If you work a manual labor job, around heavy machinery, or in a workplace where accidents are more frequent, talk to an agent about whether this type of policy is a good fit.
• Travel or commute frequently: Whether you travel for work or pleasure, it’s always good to make sure you’re covered.
• Need quick coverage: Since most accidental death benefit policies don’t require a medical exam, this can be an easy policy to apply for if you need coverage sooner than later.

Accidental death benefit insurance can be an affordable alternative if you are looking for a short-term, specific type of coverage. If your goal is long-term financial safety net for your family, adding an accidental death benefit rider to your term life or permanent life insurance policy may make more sense. Be sure to talk to a life insurance agent about your options.

Accidental death insurance typically offer cover you if you are the victim of an accident, wrongful death, or homicide. Types of accidents that may be covered include:

• Car or traffic accidents
• Falls
• Workplace incidents
• Medical complications
• Fire-related injuries
• Firearm accidents

If your provider includes major injuries or trauma in the ADB policy, you may also be covered for limb loss, loss of hearing, eyesight, or speech, or partial or permanent paralysis.

Most accidental death benefit policies do not cover illnesses, which you may be able to cover with other riders. If your injury or death is related to suicide or happened while you were under the influence of drugs or alcohol, they may be excluded as well.

You also may not qualify for coverage if you enjoy risk-taking hobbies like skydiving or mountain climbing, or if you work in a high-risk job, such as law enforcement, firefighting, or the military.