UPDATED: Jul 8, 2020
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When considering all the options for accidental life insurance quotes, you might have a lot of questions. Some of these may include:
- What is the best accidental death life insurance?
- What is the difference between life insurance and accidental death?
- What does accidental life insurance cover?
- Are term life insurance quotes for me?
- Why is accidental death covered by insurance?
- Do you need AD&D insurance if you have life insurance?
Considering all of the options for accidental death insurance comparison is overwhelming, an overview of accidental death and dismemberment insurance is exactly what you need.
Before learning more about accidental life insurance quotes, check out our FREE quote tool at the top of the page where you can enter your ZIP code and compare accidental life insurance quotes now.
Accidental Death Life Insurance Rates Comparison
How much should accidental death insurance cost?
When comparing accidental death vs term life insurance, you’ll find it is more affordable and can often be added as a rider to a policy. Among the top 10 NAIC-ranked companies (referenced above), the average rate for accidental death insurance starts as low as $7/month for $100,000 in coverage.Average Accidental Death Life Insurance Rates & Face Amounts
|Average Rate||Face Amount|
However, to guarantee you get the best rate on an accidental death insurance policy, use a price comparison like the free quote tool right here on QuickQuote.
Accidental Death Life Insurance Rates vs Term Life Insurance
First, we want to consider who are the top life insurance companies on the market. According to the NAIC, the following insurance companies, or accident insurance companies, are in the top 10 of the market share.
|Rank||Companies||Direct Written Premiums||Market Share|
|2||New York Life||$11,053,776,227||6.35%|
Transamerica accidental death insurance is a good option for accidental death life insurance policy and as you can see they are a top life insurance company.
Next, we’ll show the monthly rates for these top 10 companies for term life (keep in mind that accidental death life insurance rates will be even cheaper than term life insurance rates but you will need to compare rates and choose the specific coverage you need):
|Non-Smoker Age, Marital Status & Gender||New York Life||Lincoln |
|John Hancock||State Farm||Average |
|25-Year-Old Single Female||$13.17||$15.58||$16.25||$11.00||$13.67||$14.38||$11.92||$13.71|
|25-Year-Old Single Male||$12.67||$19.25||$19.75||$12.25||$14.67||$14.86||$13.67||$15.30|
|35-Year-Old Married Female||$13.67||$15.92||$16.33||$11.42||$13.42||$14.86||$13.83||$14.21|
|35-Year-Old Married Male||$13.33||$19.83||$20.67||$12.58||$14.25||$15.82||$14.58||$15.87|
|45-Year-Old Married Female||$21.83||$19.92||$26.17||$17.42||$19.08||$20.13||$19.83||$20.63|
|45-Year-Old Married Male||$20.42||$23.58||$31.50||$19.17||$21.25||$24.34||$19.92||$22.88|
|55-Year-Old Married Female||$34.50||$36.25||$41.33||$31.08||$37.75||$33.93||$28.42||$34.75|
|55-Year-Old Married Male||$58.00||$51.25||$48.67||$37.58||$43.92||$44.47||$33.00||$45.27|
|65-Year-Old Single Female||$77.00||$75.25||$78.42||$63.58||$94.92||$78.11||$57.00||$74.90|
|65-Year-Old Single Male||$118.00||$131.42||$117.67||$87.42||$113.92||$115.00||$79.58||$109.00|
All in all — these rates aren’t bad. It’s important to compare rates between a traditional policy life term life insurance against Accidental Death Life Insurance for a better understanding of average life insurance rates against your needs.
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What is accidental life insurance?
You might be wondering, what about accidental death insurance vs life insurance? Accidental death and dismemberment insurance will pay out for certain cases of death by accident, but it will not cover natural causes or illness.
Life insurance, specifically term, will pay out for natural causes, illness, and some instances of accidental death.
What are examples of accidental death?
The following examples of accidental death, according to a trauma and biohazard removal service, Aftermath, include:
- Motor vehicle accidents – The leading cause of accidental deaths in the United States, motor vehicle accidents includes mechanically or electrically powered vehicles.
- Falls – Each year there are approximately 13,000 deaths from falls.
- Poisoning – This category consists of two subcategories: Poisoning by gases and vapors (i.e. carbon monoxide poisoning) and poisoning by solids and liquids (i.e. drugs and medications).
- Drowning – This category excludes drownings that occur as a result of natural disasters.
- Fire-related injuries – This includes burns, asphyxiation, and deaths that occur from falling objects during a fire.
- Suffocation – This includes choking on food or ingesting an object that blocks the air passage.
- Firearms – This does not include people who are killed in combat or individuals who commit suicide using a firearm.
- Industrial accidents – This can include explosions, equipment malfunctions, mining accidents, and any other work-related deaths.
- Other accidents – This includes medical complications resulting from mistakes made by medical professionals (e.g. surgery), air transport injury, machine interactions, mechanical suffocation, and the impact of a falling object.
What is covered under accidental life insurance?
- Car crash
- Heavy equipment
- Plane crash
- Falling objects
As you can see, AD&D covers a wide variety of causes of death.
What kind of benefits could I expect to see if I need to make a claim with AD&D?
According to this public employee benefits page for the state of Oregon, the following payout percentage would be available for certain types of dismemberment, or death:
- Life – 100 percent
- One hand or one foot – 50 percent
- Sight in one eye, speech or hearing in both ears – 50 percent
- Two or more of the losses listed above – 100 percent
- Thumb and index finger on the same hand – 25 percent
- Quadriplegia – 100 percent
- Hemiplegia – 50 percent
- Paraplegia – 50 percent
It’s interesting to see how certain types of injuries are covered. Please note that state coverage may vary in your area.
What kind of deaths aren’t covered by accidental death & dismemberment insurance?
Accidental Death and Dismemberment Insurance doesn’t cover suicide and natural causes. Term Life Insurance might cover suicide based on your individual plan. For example, some life insurance plans might not pay out for suicide within two years from taking out the policy.
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What is the difference between life insurance and accidental death and dismemberment insurance?
Do you need AD&D insurance if you have life insurance?
Well, life insurance covers natural death while Accidental Death and Dismemberment covers death by accident. While it’s good to have accidental death and dismemberment insurance, it’s no replacement for life insurance.
What is not covered by life insurance?
Accidental Death insurance commonly excludes death by the following causes:
- Natural Causes
- Military Service
- Private Aviation
- Blood Alcohol
With these exclusions in mind, be sure to check if they are covered under your main life insurance policy.
Accidental Life Insurance Quotes: The Bottom Line
It’s scary to think about and plan for the unknown, but we hope this guide was helpful. You might be wondering, Is accidental life insurance worth it? We think it is.
As we have discovered throughout this review process, nothing beats having insurance. It’s important to have life insurance, but the combination of life insurance with an AD&D rider on top of it is essentially priceless.
If you’re in the process of reviewing life insurance companies and policies, try checking out our FREE quote tool below, where you can enter your ZIP code and gain access to a variety of accidental life insurance quotes quickly and easily.
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Frequently Asked Questions: Accidental Life Insurance Quotes
Here are some additional questions and answers about accidental life insurance quotes.
#1 – Is a heart attack considered an accidental death?
A heart attack is not considered an accidental death under Accidental Death and Dismemberment Insurance, but instead natural causes under a regular Life Insurance policy. This is another example as to why you’d want Life Insurance and not just be dependent on Accidental Death and Dismemberment Insurance.
#2 – What about family accidental death and dismemberment insurance?
The good thing about combining Life Insurance with Accidental Death and Dismemberment is that accidental death insurance can protect your family. When accidents happen, whether by natural causes (Life Insurance) or not (where AD&D comes into play), you want to make sure you’re covered.
#3 – What about this free accidental death and dismemberment insurance I’ve seen online?
We here at QuickQuote find it dubious that “free” insurance is available, and, if it is, if it’s any good. We’ve seen credit unions offering free AD&D online upon signing up for a new account. We’re hesitant to recommend this type of coverage if you haven’t purchased it from an agent or broker or established company. Be careful out there, and always make sure you fully research each policy before taking one out.
#4 – Where can I find an AD&D insurance calculator?
These types of calculators are widely available on the site you might be considering to purchase your insurance or through our reviews, such as this AIG life insurance review. Whether you go with AIG accident insurance or another company, accident Insurance is available as riders from a multitude of companies, so it makes sense they would have insurance calculators on their site as well.
A popular search related to AD&D insurance is “Mutual of Omaha accidental death insurance.” Mutual of Omaha also offers AD&D insurance, along with the Standard Term Life and Permanent Life Insurance options.
Accidental Death Insurance Can Be a Life Saver
Let’s face it — lady luck is not always on our side. Accidents happen every day. Maybe you spill your coffee on the drive to the office or forget your gym clothes in the dryer. Even the more painful ones — like the line-drive your 10-yr old smashed through the kitchen window — become laughable down the road.
We can live with these accidents and we do every day. But it’s the serious accidents we can’t, and shouldn’t, accept so easily. Unfortunately, they happen every day as well. But the good news is we can plan for them with life insurance. And as luck would have it, there is a simple solution for protecting your family from accidental death. It’s fittingly called Accidental Death Insurance.
The Need for Accidental Death Insurance
We’ve established that serious accidents happen. But the extent to which they occur may surprise you:
- There were 32,885 deaths reported on U.S. roadways in 2010.
- An average of 90 people died each day on U.S. roadways in 2010.
- Fatal accidents happen roughly every 15 minutes according to the Fatality Analysis Reporting System (2009 statistics).
- The National Safety Council reported in 2011 that lifetime odds of dying from an unintentional cause are about 1 in 31.
How Accidental Death Insurance Works
Term life insurance is the preferred type of coverage for most people. It provides a benefit for death by both accidents and natural causes. Unfortunately, not everyone qualifies for term life. Some people have difficulty getting a policy they can afford because of their occupation or health conditions. Others are declined for coverage entirely for these or other reasons.
Accidental death insurance is a great solution for people who are not able to get regular term life insurance, as it is a guaranteed issue life insurance policy. That means you cannot be turned down for coverage. That’s right — you will be accepted for coverage as long as:
- You are between the ages of 18 and 70.
- You are a U.S. citizen or permanent resident.
As the name implies, accidental death insurance pays a death benefit to the beneficiary(s) if you die in an accident. The policy usually specifies the death must be the direct result of an accident and occur within 90 days of the accident. The accident can be work-related or not. There are no restrictions for hazardous occupations or hazardous activities. This is an important distinction because many people are asked to pay a higher premium or are declined entirely for other types of life insurance due to their occupations or activities. This is not the case with accidental death insurance.
Of course, there are exclusions to the policy. Those include death by natural causes, suicide, private aviation, acts of war, and drug, alcohol and felony related deaths.
How to Apply for Accidental Death Insurance
Applying for coverage is easy. The application is taken by telephone and you can have coverage in force within 24 hours in most cases. There are no medical questions asked on the application and there is no paramedical exam required.
You can apply for coverage from as little as $50,000 to as much as $500,000. And depending on the insurance company you choose, coverage will remain in force up to age 80 as long as you continue to pay the policy premiums.
Additional Benefits – Some Are Free, Some are Not
Most accidental death insurance policies include additional benefits at no cost. These include:
- Travel Accident – The policy will pay an additional benefit (usually 100% more) if death results from an accident while riding as a fare-paying passenger on a common carrier such as an airplane, train or bus.
- Auto/Pedestrian – The policy will pay an additional benefit if you were to die as a result of an accident in which you were driving, or a passenger in, an automobile. Some policies will also pay an additional benefit if you were struck by an automobile on a public street or highway.
In addition to these included benefits, for an additional cost you can also add coverage for your spouse and children. Life insurance companies also offer other paid features on these policies, such as waiver of premium and return of premium riders.
As mentioned, your best protection will come from term life insurance. But if you are not able to get a policy or simply cannot afford it right now, accidental death insurance is a great option you should explore.
Accidental Death Benefit Life Insurance
Accidents will happen. Many are preventable, but they will happen nonetheless.
In 2009, 93 people on average were killed daily in automobile related accidents on U.S. highways and roads. In total, 33,963 people lost their lives in auto accidents last year. The good news is that number was an 8.85% decrease over the previous year. In fact, the total number of vehicle accident related deaths has decreased 33.5% since 1979 (51,093).
But automobile accidents are obviously not the only kind of fatal accidents we have to be concerned with. In 2008, an estimated 118,000 unintentional deaths occurred in the U.S. According to the National Safety Council, the chance of a fatal accident happening to you is 1 in 1,700.
And that’s where Accidental Death Benefit life insurance coverage comes in. Accidental Death is designed to protect you and your family from an accident-related death only. This type of life insurance does not provide a death benefit for death resulting from natural causes. Therefore, it is easy to qualify for and less expensive than regular term life insurance. In fact, there are no medical questions included on the application, and most applications are approved within 24 hours.
Check out these sample premiums for Accidental Death from Fidelity Life Association.
|Coverage Amount||Male Age 20-65||Female Age 20-65|
Accidental Death Benefit life insurance can be a good fit for the following individuals.
- Those with major medical issues that disqualify them from getting regular term life insurance.
- Those paying a high premium for regular term life insurance due to minor medical issues.
- Those with regular term life insurance looking for additional coverage for accidental death.
Coverage under Accidental Death policies can be extended to family members as well. Additional benefits include Auto Safety and Travel Accident Benefits, included at no extra cost.
Accidental Death Insurance can Protect Your Family from Sudden Disaster
As a life insurance professional, your life insurance agent’s job is to think about planning for death more than a normal person should. Doing so often makes your agent wonder what would happen if they or their clients didn’t make it home one night. Fortunately, if one is in good health and has a term life insurance policy that will financially protect their family. But how can people who aren’t healthy or cannot qualify for life insurance for a policy protect their families? If this sounds like you, an Accidental Death Insurance policy may be the answer you’re seeking.
We can’t know when accidents are going to happen, only that they inevitably will. In 2017, injuries accounted for over 169,000 deaths and were the third leading cause of death in the U.S. Poisoning, motor vehicle accidents and falls accounted for over 82% of all accidental deaths, according to data from the Centers for Disease Control and Prevention (CDC). A term life insurance policy will cover you for death due to an accident of any kind, as well as death due to natural causes. But you need to be in good health and be a reasonable risk to qualify for a term life policy, or at least to get an affordable rate. Sadly, not everyone will be eligible for one.
Reasons You May Not Qualify for Term Life Insurance
Life insurance companies develop their underwriting guidelines to determine an applicant’s eligibility for coverage as well as the rate the policy owner will pay for the policy. There are dozens of reasons people do not qualify for term life insurance. Here are some of the more common ones.
Poor Health You have significant medical conditions or history that prevents you from qualifying for life insurance. Conditions we commonly see that exclude people from coverage or cause the rates to be unreasonably high include:
- Heart Disease
- Stroke / TIA
- Excessive Weight
- Bipolar Disorder / Major Depression
- Diabetes (uncontrolled)
- Kidney / Liver Disease
Hazardous Activities Activities such as scuba diving, rock climbing, sky diving, and auto racing are usually considered dangerous by life insurance companies. To mitigate their risk in providing you with a life insurance policy, they often charge higher rates and extra premiums. These charges can add hundreds or even thousands of dollars per year to the cost of a life insurance policy. And involvement in hazardous activities might cause an insurance company to decline you outright.
Poor Driving Record Life insurance companies will charge a higher cost to applicants with a history of driving under the influence of alcohol or drugs, typically within the past five years. And if you have multiple DUI/DWI felony convictions, you likely will not qualify for coverage at all. Multiple accidents or moving violations such as reckless driving or speeding will also result in higher rates. If you’ve had your driver’s license suspended or revoked you likely will not qualify for coverage until it has been reinstated.
Avocation / Job / Disability Life insurance companies may decline you for coverage if you have specific jobs such as fisherman, miners, loggers, and high-rise construction workers. If you are not working at all due to a disability, you likely will not qualify for coverage, depending on the circumstances.
Military / Foreign Travel Military personnel deployed to areas of conflict also may not be able to qualify for coverage. And if you have travel plans to dangerous places or countries on the U.S. State Department’s Travel Advisories list, you may not be eligible for coverage until after your travels.
What if You Cannot Qualify for Life Insurance?
If you cannot insure yourself against death due to natural causes, at the very least, you need to protect yourself from dying due to an accident. Some protection is better than no protection. And that’s precisely what an Accidental Death Insurance policy is designed to do. Accidental Death insurance is straightforward to apply for and is guaranteed coverage; meaning, you cannot be turned down. Also, there are no health questions to answer and no medical exams to complete. Here are more reasons Accidental Death is such a good value.
- You can buy coverage up to $500,000.
- You can buy coverage up to age 70 and keep it until age 80.
- It provides coverage for death sustained from an accident, even work-related accidents.
- The policy pays an additional amount above the policy benefit if you die while driving or riding in a car, or as a passenger on a common carrier such as a bus or plane.
- You can add a spouse and dependents to the policy.
Remember, fatal accidents happen about every 15 minutes in the US, according to the Fatality Analysis Reporting System. Additionally, your lifetime odds of dying from any unintentional cause are about 1 in 31, as stated in The National Safety Council’s publication Injury Facts. If you don’t have a life insurance policy or cannot qualify for one, take action now to protect your loved ones. An Accidental Death Insurance policy is affordable, and coverage is guaranteed.