Get Simple and Fast
Accidental Death Insurance
Check out this quick video from one of our companies:
BBB Rating: A+
Since March 2017
As of 07/22/18
Click for Profile
Accidental Death Insurance Quotes Instant Issue
Get affordable accidental death insurance quotes and apply online for coverage, all without an agent.
The simplest way to buy
accidental death insurance online
No personal information needed for your
instant online accidental death quotes
Get An Instant Quote
Get a quote by putting in
only needed information.
Apply online for your instant
Look out for an email with your
approval and policy
Our service is free, so how do we make a
We’re a licensed insurance agency, so we get paid either
commission or advertising fees by the insurance companies for
each referral or sale.
If you ever feel the need to know what commission we’d earn
on any of our insurance products, just ask us. We’ll be happy to
Click here for more faqs and information on how we are paid.
Why Use Us?
Chat With Us
Click That Green Bubble
On The Right.
1 800 683 4854
So, What Is Accidental Death Insurance?
"In Plain English," Accidental Death Insurance is simply protection
against the loss of life caused by an accident.
What Does Accidental Death Insurance Cover?
Should the unexpected occur, an accidental death policy will cover any death caused by an accident which includes things like:
An accidental death insurance policy may help provide the financial support for those you leave behind if something were to happen.
Illness-related causes such as heart attacks or cancer are not covered, for a full list of causes that are Not covered, check out this great resource.
How Does Accidental Death Insurance Work?
Accidental death insurance is one of the most straight forward products when it comes to life insurance. You still have the same structure as a normal life insurance policy like:
Along with being the most affordable type of life insurance product on the market, these products usually end at around the age of 60 to 65 so you probably want to purchase them early on.
Like with any type of insurance, the younger you are when you purchase it the lower the monthly premiums will be.
An accidental death insurance policy is going to cover you for any type of death associated with an accident.
There isn't any type of contestability period associated with these policies, once your death is ruled an accident, the Death benefit will be paid out to your Beneficiary.
Sample Accidental Death Insurance Rates
Our plan has only 3 different price options:
As you can see, the rates for accidental death insurance are much more affordable than any type of life insurance mainly because it will only cover you if you die from an accident.
Is Accidental Death Insurance Worth It?
On average, most homeowners insurance policies
are for around $100,000 and on a mortgaged home
they usually cover how much you paid for the home.
Then, depending on your policy, some things might
have to have a separate policy like coverage jewelry or weapons as well as Liability.
While others, will cover multiple items in one policy.
The amount of homeowners insurance that you will
need is going to depend on a few factors that you
probably haven't thought about. This includes
When you are deciding on how much home owners
insurance you need, it's best to act like a detective.
Figure out what everything will cost you, determine
if you have specific risks like an exotic pet.
Along with the other factors above come up with a
number and if you can afford it, double the amount
of coverage, if not, you still have a great starting
How much accidental death life insurance do you need?
Most insurance companies allow you to purchase up to 30x your annual income, but we tend to recommend that you have at the least 10x your annual income in life insurance.
So if you make $50,000 / year, a policy for $500,000 would be our suggestion.
Is Accidental Death Insurance Worth It?
In order to answer this question properly, I think we must first look at some of the statistics around an accidental death insurance policy:
If you're between the ages of 25-34, you are almost 5 times more likely to pass away from an accident than from cancer.
As a matter of fact, from the ages of 25-44, accidental death is your single greatest risk.
We can gets you covered in minutes, not weeks, with plans starting at just $6/mo.
Now, along with the fact that accidental death insurance is super cheap and has no underwriting attached to it, I think its a great policy to have and it is 100% worth it.
If you have been unable to get traditional life insurance due to your health or just want additional protection, then buying an accidental death insurance policy is a no-brainer.
accidental death Insurance vs life insurance
The first question you probably had was, is accidental death insurance the same as life insurance?
The biggest difference is that traditional life insurance comes with what is called an "All Cause Death Benefit" attached to it.
This "All Cause" benefit means that the policy will pay out for death caused by an accident, chronic or critical illness, and terminal illness.
With Traditional Insurance you are basically covered for any type of death, even suicide after the policy specific waiting period.
With Accidental Death Insurance, you are only covered if your death is caused by an accident.No other cause of death is covered, check out our chart below:
Now here's the thing:
Don't be alarmed, the policy is called an Accidental Death policy, so that is all that you really need it to do, cover you for an unexpected accidental death.
If you need a policy to cover more than that, then you should check out our term life insurance quotes here.