Doesn’t Life Insurance Cover Accidental Death?

Accidental Death

AD can be combined with Life insurance or purchased without it.

Accidental Death (AD) insurance is similar to Life insurance. But it shouldn’t take the place of Life insurance. It can supplement your Life insurance. But you don’t need Life insurance to apply for Accidental Death insurance. Confused yet? Here’s how AD works.

Accidental Death Insurance

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What is Accidental Death Insurance?

AD insurance pays out – in addition to Life insurance – when the policyholder dies as the direct result of a covered accident; think skiing accident or car accident. Due to the low probability of an accidental death, the premiums tend to be very low.

It’s inexpensive, can’t I just get this instead of Life Insurance?

If you are healthy, it’s probably not a good idea. Term Life insurance will cover you (or rather your loved ones) whether you die as the result of a covered accident, medical condition, or just old age.

So, who should get Accidental Death insurance?

There are a handful of situations that may leave you unable to qualify for traditional Life insurance, or make it cost prohibitive. Among those who may have trouble securing Life insurance are people:

living with cancer or other serious health conditions (including obesity, hepatitis B or C, and high cholesterol, blood pressure, or blood sugar)
who have certain criminal records or with multiple instances of DUI or moving violations
who need immediate coverage

AD applications ask no health questions—your acceptance is guaranteed.

The cost of purchasing Life insurance does go up as you age and is tied to your current health and medical history.

I’ve heard that some people have both Term Life and Accidental Death, are they just over insured?

Term Life insurance will pay benefits in the event of your death for just about any reason. Adding on AD is an efficient option for someone who purchased their Life insurance when their needs, responsibilities, or health were different. It’s also valuable for those who engage in high-risk activities like sports, travel, etc.

Okay, I get it now. But I’m still not sure if I should get it.

The fact is, your insurance needs will evolve over time, just like other aspects of your life.

One appealing feature of AD is that it can be purchased before, after, or at the same time as Life insurance—from the same company or a different company. If you’re looking to add potential value without increasing your premiums too much, it’s worth considering.

Learn more about AD insurance^*

*For complete information Including features, costs, eligibility, limitations, renewability, and exclusions, please visit the website.

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