You need coverage quickly. No waiting period or medical exam is required. You can be covered immediately. This can be an advantage if it is urgent that you require insurance protection, such as for a trip or if there are other reasons.


Accidental death insurance covers financial support for your family members if you are killed in an accident. You can apply for it from 18 to 70 years old. Because this insurance is guaranteed protection, no one will refuse you if you are over 65.

life insurance cover accidental death


Your family will receive a lump-sum cash payment if you are killed in an accident covered by the policy. This money can be used for any purpose, including replacing income, paying mortgage payments, covering credit card debts and other debts, paying funeral costs, or saving for the future.

life insurance cover accidental death
brooklyn accidental death lawyer

brooklyn accidental death lawyer


You travel frequently for your consulting company and need additional coverage in an unexpected event.

number one cause of accidental death in america


It is possible to get a policy that covers accidental deaths at a very reasonable price. It doesn't offer the same protection as a traditional policy. This policy can be used to supplement life insurance coverage.

life insurance vs accidental death & dismemberment

life insurance vs accidental death & dismemberment


You need coverage quickly. Coverage is available immediately with no waiting period and without any medical exam. This is great if you have an immediate need for insurance protection like if traveling or you plan to.

penalty for accidental death


ADB policies may also be added to existing life insurance. ADB policies provide additional coverage for accidental death. ADB policies do not cover all causes of death. Please refer to your policy terms for more details.

penalty for accidental 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.