Product Description
Accidental death insurance is competitively-priced, accident-only insurance that lasts for the specified coverage period and pays a benefit if death is the direct result of an injury sustained in a covered accident within 180 days of the accident and independent of all other causes. Injury-specific dismemberment and paralysis benefits are also payable under certain conditions. Instant decisions are available for most applicants. Coverage is guaranteed renewable to the end of the specified coverage period.
Coverage Periods and Issue Ages
Guaranteed renewable to age 80: Issue Ages 18–70
5-year, 7-year, and 10-year: Issue Ages 18–70
15-year: Issue Ages 18–65
20-Year: Issue Ages 18–60
30-Year: Issue Ages 18–50
Benefit Amount
$5,000–$350,000
Underwriting Classes
Male, Female
Premium Modes
Annual, semi-annual, quarterly, monthly
Included Benefits
- Dismemberment and Paralysis Benefit
- Common Carrier Benefit
- Automobile Seatbelt Benefit
Optional Riders (additional premium, not available in all states)
- Accident-Only Disability Income Rider
- Spouse Accidental Death and Dismemberment Rider
- Child Accidental Death and Dismemberment Rider
- Critical Accident Rider
- Disability Waiver of Premium Rider
- Return of Premium Rider
Policy Fee
$25 annually, commissionable
Producers selling Accidental Death and Dismemberment Insurance must have a health insurance license.
15-015-021701-21