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Accidental Death Benefit

Prepare for the unexpected with accidental death benefit insurance, which protects your family if you have a fatal accident.

Accidental Death Benefit

Prepare for the unexpected with accidental death benefit insurance, which protects your family if you have a fatal accident.

What Is an Accidental Death Benefit Policy?

Accidental death benefit insurance provides protection for you and your family if you die from an accident that is covered by your policy. The policy offers a cash payment, or “death benefit,” to your beneficiaries if you pass away from a covered accident. Unlike the accidental death benefit rider, which is an optional feature you can add to a policy, an accidental death benefit (ADB) plan is a standalone policy.

In some cases, accidental death benefit insurance may also cover major injuries and trauma that prevent you from working. These policies might also be known as accidental death and dismemberment (AD&D) insurance. This depends on the provider, however, so be sure to consult an agent about coverage for your family.

How Does Accidental Death Benefit Insurance Work?

An accidental death benefit could help protect your family if you are the victim of a fatal accident. The policy generally offers a death benefit to your loved ones after your death has been confirmed as the direct result of a covered accident. Policies that include coverage for injuries may cover severe trauma like limb loss, paralysis, or coma.

Your family can then use the payment to help replace your income, afford everyday expenses, cover end-of-life costs, or simply save it.

The coverage you need, when you need it

An affordable, convenient option for many families.

Benefits of Accidental Death Benefit Insurance

Prepare for the unexpected with an ADB insurance plan. Some of the benefits include:

Just-in-case coverage

Accidents can happen to anyone and are hard to predict. You can take the guesswork out by putting a backup plan in place.

A bigger payout for your family

This extra income can be used to help cover anything your family needs and fill the gap of your lost income.

Potential living coverage in case of injury

If your policy covers severe accidents, you and your family will be financially protected if you aren’t able to work after an accident.

Accidental Death Benefit Insurance Through eFinancial

If you’re at risk of accidents or want to have a backup plan just in case, this policy can give your family added peace of mind. At eFinancial, we offer high-quality, affordable accidental death benefit insurance products from leading providers. Our expert agents can guide you through a range of options to find the one that fits your unique needs. Let us help you protect your family.

You've Got Final Expense Insurance Questions. We've Got Answers.

Is accidental death insurance a good idea?

This policy might be a good fit for you if you:
  • Work in a hazardous environment: If you work a manual labor job, around heavy machinery, or in a workplace where accidents are more frequent, talk to an agent about whether this type of policy is a good fit.
  • Travel or commute frequently: Whether you travel for work or pleasure, it’s always good to make sure you’re covered.
  • Need quick coverage: Since most accidental death benefit policies don’t require a medical exam, this can be an easy policy to apply for if you need coverage sooner than later.

Accidental death benefit insurance can be an affordable alternative if you are looking for a short-term, specific type of coverage. If your goal is long-term financial safety net for your family, adding an accidental death benefit rider to your term life or permanent life insurance policy may make more sense. Be sure to talk to a life insurance agent about your options.
Accidental death insurance typically offer cover you if you are the victim of an accident, wrongful death, or homicide. Types of accidents that may be covered include:
  • Car or traffic accidents
  • Falls
  • Workplace incidents
  • Medical complications
  • Fire-related injuries
  • Firearm accidents

If your provider includes major injuries or trauma in the ADB policy, you may also be covered for limb loss, loss of hearing, eyesight, or speech, or partial or permanent paralysis.

Most accidental death benefit policies do not cover illnesses, which you may be able to cover with other riders. If your injury or death is related to suicide or happened while you were under the influence of drugs or alcohol, they may be excluded as well.

You also may not qualify for coverage if you enjoy risk-taking hobbies like skydiving or mountain climbing, or if you work in a high-risk job, such as law enforcement, firefighting, or the military.

Get Accidental Death Benefit Policy Quotes From eFinancial

Want to learn more? You can start your free, no-obligation online quote today or call 800-957-9525 to talk with one of our agents.