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As of 07/22/18
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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.
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.
How To Get The Best Accidental Death Insurance ?
When it comes to getting the best accidental death insurance you have to look at a few things:
If you make sure your policy has at least 3 or all of those things then you will honestly get the best accidental death policy around.
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.