Accidental Death Life Insurance
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The chances of you being involved in a fatal accident are 1 in 1,700 according to the National Safety Council. The lifetime odds of dying in an automobile accident are about 1 in 491, based on data from the Insurance Information Institute.
If you have life insurance, your policy will cover you if you die in an accident. But what if you can’t get a life insurance policy because of your medical history or current health? There are many different conditions that may cause you to be declined for coverage. What then?
Accidental Death insurance covers you in case of death resulting from an accident.
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Great thing about it is you don’t have to qualify
medically. There aren’t even any medical
questions on the application.
No exam required
This is the big advantage. No paramedical exam means no blood, no urine and no nurse visiting your home.
Take a look at these benefits:
Coverage approved within 24 hours
No medical questions to answer
Coverage available from $50,000 – $250,000
Eligible ages are 20 – 59
Policy pays full benefits to age 70, then 50% to age 80
You can pay monthly or annually, by credit card or electronic draft
Additional Benefits
Additional benefits vary by company, but may include the following:
Auto Safety Benefit – Pays an additional sum if riding as a passenger in an automobile while properly estrained by a seatbelt.
Travel Accident Benefit – Double the death benefit if traveling by public transit.
Spouse & Dependent Children Benefit – Spouse and children can be added to the policy.
College Fund Benefit – Pays an additional benefit for each dependent child if you die in an accident.
Exclusions
Accidental Death insurance commonly excludes death by the following causes:
Natural causes
Military service
Private Aviation
Blood Alcohol
Suicide
Felony
Drugs
War
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