accidental death charge

group accidental death and dismemberment insurance


Accidental Death Insurance provides financial support to your loved ones in case you become incapacitated due to an accident. It is available to anyone aged 18-70. You cannot be denied if your age qualifies you for this guaranteed coverage.


Aside from your basic term life insurance, accidental death or dismemberment coverage may be an affordable way to protect against sudden events that can cause loss of life, speech and hearing, sight, paralysis, and other damages.

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You require additional coverage for your family. ADB can provide you with much-needed protection, even if it's not your primary life insurance. A payout can be used to pay funeral and living expenses as well as other unexpected costs. An ADB rider can be added to an existing policy to provide additional coverage.

accidental death penalty
pantani: the accidental death of a cyclist

pantani: the accidental death of a cyclist


AD&D insurance can be one of the protections you can take to protect your family's financial future.

accidental death or dismemberment


You may be eligible for coverage through your employer. A rider can also be added to an existing policy of standard life insurance. Your life insurance policy would pay extra if you were to die from a covered event.

vehicular homicide is similar to accidental death

vehicular homicide is similar to accidental death


AD&D insurance provides one option to help protect your family’s assets.

accidental injection death


You are looking for additional protection for your family. ADB may provide the extra protection you need even though it isn’t your primary coverage. The payout you pay your loved ones could help cover funeral and living expenses or other unexpected expenses after you pass away. ADB riders can be added to existing policies for additional coverage.

accidental injection death

Frequently Asked Questions


Typically, accidental death covers exceptional circumstances, such as exposure to the elements, traffic accidents, homicide, falls, drowning, and accidents involving heavy equipment. AD&D insurance is supplemental life insurance and not an acceptable substitute for term life insurance.


Accidental death insurance

While accidents only accounted for 5.4% of deaths in the United States in 2016, they made up 30.2% of deaths for people between the ages of 25 to 44. This is why accidental death insurance typically isn't worth it if you're near retirement age or just need coverage for end-of-life expenses.
 


When accidental deaths occur, though, typical causes of accidental death or dismemberment claims are motor vehicle accidents, falls, poisoning, drowning, and gunshot injuries. Death by homicide is also considered an accidental death. But not every death resulting from such causes would be considered accidental.