pantani the accidental death of a cyclist

accidental death by firearm

For those under 25 years of age, riders may be available on traditional life insurance policies to provide coverage for accidental death.

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.

pantani the accidental death of a cyclist

accidental death benefit coverage

A policy that provides accidental death benefits without a medical exam can be a good option if you have any health issues that could prevent you from getting other types of life insurance.

accidental death benefit coverage
optional accidental death & dismemberment

optional accidental death & dismemberment

Accidental death and dismemberment coverage is an inexpensive way to protect yourself against unanticipated events such as loss of speech, hearing, sight, paralysis, and other unexpected losses.

family accidental death and dismemberment insurance

AD&D coverage covers death and serious injuries that can result from dismemberment, hearing loss, or other causes.

jcpenney accidental death insurance
jcpenney accidental death insurance

If you lose a limb as a consequence of an accident, then the dismemberment part is in. In such cases, your AD&D plan will generally pay a predetermined amount. Accidental death insurance can be very specific about the coverage it covers. Life insurance covers you for the most common causes of death.

accidental death insurance quote

Accidental insurance protects your family financially in case you are injured or killed in an accident. Everyone between 18 and 70 can get it. You can't be denied if you are older.

accidental death insurance quote

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.


Otherwise, drug overdose is considered a suicide by overdose and not an accidental death. Frequently, overdoses result from improperly prescribed drugs, an accidental double dose of narcotic painkiller or other sedative-type of medications, or interactions of various drugs taken together.
 

 

Learn about our editorial standards and how we make money. Life insurance provides financial protection for your family and will pay out for almost any cause of death. Accidental death and dismemberment (AD&D) insurance, on the other hand, only pays out for accidental death or accidental injury, such as loss of limb.


Can You Cash in Accidental Life Insurance? No, accidental life insurance doesn't usually have a cash value. For the first few days of an accidental death life insurance policy, you can cancel the coverage and get your money back.


Conclusion. While you may not need AD&D insurance, AD&D serves to complement existing health and life insurance policies that may otherwise not provide coverage to events such as dismemberment, loss of vision, loss of hearing, or paralysis (depending on the policy).


Basic life insurance coverage under Choices pays benefits to your beneficiary(ies) if you die from most causes while coverage is in effect. Accidental Death & Dismemberment (AD&D) insurance coverage adds low-cost accidental death protection by paying benefits in the event your death is due to accidental causes.