Accidental Death Benefit
Insurance Glossary
A life insurance benefit paid only when death results from an accident, either built into a policy or added as a rider. Policies define accident narrowly and commonly exclude deaths tied to illness, intoxication, aviation outside commercial flights and certain hazardous activities, and many require the death to occur within a set number of days of the accident. On final expense policies that carry a waiting period, accidental death is usually the exception that pays the full benefit from the first day.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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