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So, What Is Accidental Death Insurance?


"In Plain English," accidental death insurance is simply protection against the loss of life caused by an accident.

accidental death insurance

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:

  • Car Crashes
  • Bike Crashes
  • Commercial Air Crashes
  • Fire
  • Murder
  • Accidental Slips & Falls

If you:

  • Are A Frequent Traveler
  • Work In Or Around Hazardous Structures And Environments
  • Drive Lyft Or Uber For A Living
  • Work With Heavy Equipment Like A Forklift

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

Sample Accidental Death Insurance Rates

Our plan has only 3 different price options: 


Ages

             
$100,000 

             
$250,000 


$500,000 


25 - 50 Years Old


$6.00/month


$15.00/month


$30.00/month

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? 

In order to answer this question properly, I think we must first look at some of the statistics around an accidental death insurance policy: 

  • One American dies every 4 minutes as the result of an accident
  • Accidents are the fourth leading cause of death in the U.S.
  • Motor vehicle accidents cause a death every 15 minutes
  • Accidents claim the lives of 15 Americans  about every hour

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.

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.  

accidental death insurance vs life insurance

There is sometimes confusion with the differences between an accidental death insurance policy and traditional 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:  


Traditional Life Insurance


Accidental Death Insurance


Death Caused By Accidental Death


Death Caused By A Critical Illness


Death Caused By A Terminal Illness


Death Caused By A Chronic Illness


Death Caused By Suicide

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

Our online accidental death life insurance carriers:


term insurance quotes
accidental death insurance, fabric life, fabric life, logo

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