Accidental Death Insurance is a type of insurance policy that provides coverage in the event of an accidental death. In simple terms, it pays out a benefit to the beneficiary or beneficiaries if the insured person dies because of an accident. This type of insurance is designed to provide financial protection for the insured person's loved ones in the event of a sudden and unexpected death caused by accidents such as car accidents, falls, or other unforeseen events. It does not provide coverage for deaths due to natural causes, illnesses, or other non-accidental circumstances.

Reasons you should consider purchasing Accidental Death Insurance:

Protection: Accidents are the 3rd leading cause of death in the United States.

Supplemental Coverage: Accidental death insurance can provide an additional layer of financial protection on top of your existing life insurance policy. It's especially useful if you have dependents and want to ensure their financial security.

Affordable Premiums: Accidental death insurance typically has lower premiums compared to traditional life insurance, making it an affordable option for many people.

No Medical Exam: Many Accidental Death policies don't require a medical exam or extensive underwriting, making it easier to obtain coverage, especially if you have pre-existing health conditions that could affect your ability to get traditional life insurance.

Worldwide Coverage: Accidental death insurance typically covers accidents that occur anywhere in the world. This can be especially useful for people who frequently travel.

Financial Protection: Accidental Death insurance provides a lump-sum payment to your beneficiaries in the event of your accidental death. This money can help cover immediate expenses, such as funeral costs, outstanding debts, and ongoing living expenses.

Peace of Mind: Knowing that you have extra financial protection in place in case of an accidental death can provide peace of mind to you and your loved ones.