Accidental Death Life Insurance

Accidental death life insurance quotes are an inexpensive way to get accidental death and dismemberment insurance (AD&D), which is a policy that pays out a death benefit when the insured dies from an accident. You can buy accidental life insurance with rates as low as $7/month. Get cheap accidental death insurance quotes online for free.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Feb 11, 2021

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Quick Facts

  • Accidental death life insurance provides life insurance coverage for unforeseeable accidents.
  • This type of life insurance will only cover accidents.
  • Accidental life insurance can be purchased for a very low monthly rate.

Considering all of the options for accidental death life insurance comparison is overwhelming, an overview of accidental death and dismemberment insurance is exactly what you need.

Life insurance terms and policies can be hard to understand, but stick with us and learn all you need to know.

Before learning more about accidental death 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 death life insurance rates now.

How much does accidental death life insurance cost?

When considering all the options for accidental death 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?

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 RateFace Amount
$7$100,000
$14$200,000
$21$300,000
$28$400,000
$35$500,000
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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 to evaluate accidental death insurance rates.

Is accidental death life insurance cheaper than 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.

Top 10 Life Insurance Companies by Market Share
RankCompaniesDirect Written PremiumsMarket Share
1Northwestern Mutual$11,278,801,8226.48%
2New York Life$11,053,776,2276.35%
3MetLife$10,767,180,6686.19%
4Lincoln National$9,651,117,0725.54%
5Prudential$9,642,360,3895.54%
6MassMutual$7,984,470,4234.59%
7Aegon/Transamerica$4,868,457,5512.80%
8John Hancock$4,817,849,5772.77%
9State Farm$4,797,872,9702.76%
10Minnesota Mutual$4,724,702,5912.71%
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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):

Average Monthly Life Insurance Rates for Non-Smokers
Non-Smoker Age, Marital Status & GenderNew York Life Lincoln
National
PrudentialMassMutualAegon/
Transamerica
John HancockState Farm Average
Monthly
Rates
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
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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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How does accidental death insurance work?

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.

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What is accidental death 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 and permanent life insurance, will pay out for natural causes, illness, and some instances of accidental death.

What is an accidental death benefit?

Accidental death benefits refer to financial compensation received by an accidental death insurance policyholder. Accidental death life insurance benefits are often attached to life insurance policies and may be collected alongside standard payments.

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
  • Falls
  • Drowning
  • Fire
  • Explosions
  • Heavy equipment
  • Plane crash
  • Falling objects
  • Choking

As you can see, accidental death insurance covers a wide variety of causes of death.

What kind of benefits could I expect to see if I need to make a claim?

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. When researching death insurance quote information, please note that state coverage may vary in your area.

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What is not covered by accidental death life insurance?

Accidental death insurance commonly excludes death by the following causes:

  • Natural Causes
  • Military Service
  • War
  • Suicide
  • Private Aviation
  • Felony
  • Drugs
  • Blood Alcohol

With these exclusions in mind, be sure to check if they are covered under your main life insurance policy.

How can I 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.

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Is accident insurance worth it?

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.

Accidental Death Life Insurance: 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 or looking for accidental death life insurance rates, enter your ZIP code below and buy accidental death life insurance.

Frequently Asked Questions: Accidental Death 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 an accidental death and dismemberment insurance policy, 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 – Is AD&D insurance the same as accidental death insurance?

Accidental death and dismemberment insurance plans are often simply called accidental death insurance or accidental death life insurance. All of these terms describe life insurance policies that cover accidental death, or specific serious injuries resulting from an accident.

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#3 – 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.

#4 – 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.

#5 – 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.

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