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Accidental Death Benefit Rider

Do you have a plan for your family in case you have a fatal accident? Having a backup in place ahead of time can not only give you peace of mind, but also protect your loved ones from unexpected expenses.

What Is an Accidental Death Benefit Rider?

An accidental death benefit rider is an optional feature you can add to a term life or whole life insurance policy. This rider gives your loved ones access to a larger cash payment, or “death benefit,” if you die in a covered accident. That means that if you pass away unexpectedly from a covered accident, your family will still be protected financially.

Unlike an accidental death benefit policy, you can often add an accidental death rider to your current life insurance coverage, helping you customize it to fit your unique needs.

In some cases, an accidental death rider, or accidental death and dismemberment (AD&D) rider, may cover major non-fatal injuries that prevent you from working. This depends on the rider, however. Your life insurance agent can help you understand what the accidental death and dismemberment rider covers, so you can make the right choice for you and your family.

How Do Accidental Death Benefit Riders Work?

Most accidental death benefit riders will offer your family an extra payout on top of your regular life insurance policy’s death benefit. This extra payment can sometimes double the amount of money your family receives, which is why this type of rider used to be known as a double indemnity rider. Once the insurance company confirms that your death meets the requirements of the rider, your loved ones will receive the payment.

Since an accidental death benefit rider adds coverage to your policy, buying one will likely increase your premiums, or payments. Adding that protection now can save your family from dealing with major expected expenses later, though.

Benefits of Accidental Death Benefit Riders

Adding an ADB rider to your insurance plan can help you prepare for the unexpected. Some key 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 Riders Through eFinancial

Whether you’re at risk of accidents or want to be prepared for one, this rider can help you customize coverage for you and your family. At eFinancial, we offer high-quality, affordable products from top providers. Our agents can walk you through a range of accidental death benefit rider options, so you can find the one that fits your unique needs. We’re here to help you protect your family.

You've Got Questions. We've GotAnswers.

Wondering if an accidental death benefit rider is right for you? Here are answers to some of our most common questions:

Get your quote online, or talk to one of our agents at 866-388-3996800-957-9525.