Accidental Death Insurance

Coverage for the Unexpected

Also called accidental death and dismemberment insurance, this insurance rider can provide your family with extra protection and security if you’re ever in an accident.

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What is accidental death insurance?

Known in the insurance world as AD&D, accidental death and dismemberment insurance is a type of supplemental insurance that is often offered as a rider on term life or permanent life insurance policies. Accidental death and dismemberment riders pay out a sliding scale of benefits if the policyholder experiences the loss of body parts, loss of function, or death due to a covered accident. In the case of death, beneficiaries may receive double indemnity of benefits.

Adding an accidental death rider to your life insurance policy might be a good idea if:

You work in a dangerous or high-risk occupation
You want to supplement your current coverage to protect your family in the event of an accident
You don’t qualify for other types of life insurance riders due to age, health conditions, or occupation

How does an accidental death rider work?

Accidental death and dismemberment insurance can be a little complicated, as the rider must cover a number of possible scenarios, accidents, and outcomes. For this reason, AD&D riders have a detailed outline of terms, circumstances, and corresponding percentages of benefits paid out for each level of injury or death. For instance, AD&D policies typically pay only a percentage of the stated benefit for partial or full paralysis, dismemberment, or loss of hearing, sight, or speech.

What to Expect Applying for Accidental Death and Dismemberment Insurance

No Medical Exam

You do not need to see a doctor or undergo any medical tests to get approved for an accidental death insurance rider.

Affordable Coverage

Adding accidental death and dismemberment insurance to your current policy increases your benefit at a low cost.

Easy Approval Process

Call Principled Life and get approved over the phone for an accidental death life insurance rider today.

Life is full of accidents. Let’s make sure you’re covered.

Give us 30 minutes and we’ll find you insurance that fits your life. It’s that simple.

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Accidental Death Insurance FAQs

What does accidental death insurance cover? What does it not cover?

An accidental death and dismemberment insurance riders typically cover death and dismemberment caused by falls, drownings, traffic accidents, heavy machinery, homicide, and other such occurrences. Every policy will outline the specific types of accidents it covers. In general, accidental death and dismemberment riders do not cover death or loss of function due to common health events, such as cancer, heart attack, or stroke.

How much does accidental death insurance cost?

What does “double indemnity” mean?

Finally, Peace of Mind

Rest easy tonight knowing your family is taken care of no matter what. All it takes is a quick call.