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Accidental Death Benefit

Prepare for the unexpected with accidental death benefit insurance, which protects your family if you have a fatal accident.

What Is an Accidental Death Benefit Policy?

Accidental death benefit insurance provides protection for you and your family if you die from an accident that is covered by your policy. The policy offers a cash payment, or “death benefit,” to your beneficiaries if you pass away from a covered accident. Unlike the accidental death benefit rider, which is an optional feature you can add to a policy, an accidental death benefit (ADB) plan is a standalone policy.

In some cases, accidental death benefit insurance may also cover major injuries and trauma that prevent you from working. These policies might also be known as accidental death and dismemberment (AD&D) insurance. This depends on the provider, however, so be sure to consult an agent about coverage for your family.

How Does Accidental Death Benefit Insurance Work?

An accidental death benefit could help protect your family if you are the victim of a fatal accident. The policy generally offers a death benefit to your loved ones after your death has been confirmed as the direct result of a covered accident. Policies that include coverage for injuries may cover severe trauma like limb loss, paralysis, or coma.

Your family can then use the payment to help replace your income, afford everyday expenses, cover end-of-life costs, or simply save it.

Benefits of Accidental Death Benefit Insurance

Prepare for the unexpected with an ADB insurance plan. Some of the benefits include:

  • Just-in-case coverage

    Just-in-case coverage

  • A bigger payout for your family

    A bigger payout for your family

  • Potential living coverage in case of injury

    Potential living coverage in case of injury

Accidental Death Benefit Insurance Through eFinancial

If you’re at risk of accidents or want to have a backup plan just in case, this policy can give your family added peace of mind. At eFinancial, we offer high-quality, affordable accidental death benefit insurance products from leading providers. Our expert agents can guide you through a range of options to find the one that fits your unique needs. Let us help you protect your family.

You've Got Questions. We've GotAnswers.

Wondering if accident death benefit insurance is right for you? Here are some of the answers to our most common questions:

Get Accidental Death Benefit Policy Quotes From eFinancial

Want to learn more? You can start your free, no-obligation online quote today or call 866-388-3996800-957-9525 to talk with one of our agents.