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Help Provide a Safety Net If & When Your Family Needs It With Accidental Death Insurance

While you cannot prevent every single accident, you can help protect your family from the cost of it.

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Accidental Death Insurance

Accidents happen. So, wouldn't it be comforting to know your family would be more financially prepared for one? Accidental death insurance can help offer you that peace of mind. If an accident were to happen, to you or your family, you would know there would be measures in place to help protect your loved ones.

Our accidental death insurance can help protect your family from financial losses if you were to pass away suddenly. We offer you flexible coverage options providing you with a reassuring companion to your life insurance policy.

family together on couch

What Is Accidental Death Insurance?

Accidental death insurance is a version of life insurance that only covers death by accidental causes. If you die in a car crash or in a fall down the stairs, for example, this insurance policy will pay out a death benefit. However, if you die in a way other than an accident, this insurance won't pay anything to your beneficiaries — which means that it doesn't cover death by illness or old age.

Accidental death insurance can be purchased as a standalone policy to cover one person or an entire family — or as an accidental death benefit rider on a whole, universal or term life policy. If you choose a family accidental death policy, it'll cover you, your spouse and your children in the event of a fatal accident.

Why Do I Need Accidental Death Insurance?

While no one can predict the future, planning for the unknown could help provide you and your loved ones with a sense of security today. Chances are, tomorrow will be filled with many more milestones and joyous moments, so don't spend time worrying about the unexpected — consider preparing for the unexpected.

This insurance type can be an appealing choice for younger applicants, who are more likely to die in an accident than by illness. If you do consider accidental death insurance, it's important to understand its limitations. Remember, this coverage is not full life insurance coverage and will only pay your beneficiaries after an accident. If you buy an accidental death insurance policy, don't assume you're protected for every situation.

What Are the Benefits of Accidental Death Insurance?

Competitive Rates

Rates can vary and depend on your age and lifestyle

No Waiting Period for Coverage

Coverage starts immediately after you sign up

Easy to Add to Existing Policy

Can be purchased as a stand-alone policy or as an add-on to your existing life insurance policy

Coverage Options

Choose from seven options in amounts from $10,000 for children to $150,000 for adults


Change from one type of coverage to another as your needs change

Wide Age Range

Coverage available from ages 0 to 55

What Does Accidental Death Insurance Cover?

Accidental death insurance is designed to pay a death benefit to your beneficiaries if you die in an accident. This policy type could cover unintentional death by falling, drowning, suffocation, choking, fire or an automobile accident, as well as other scenarios that would be detailed within the policy. The death benefit could help alleviate financial worry for your loved ones when they need it most. If you were to die in a car accident on your way to work, for example, an accidental death insurance policy could help your loved ones pay for your burial and funeral costs — or any other expenses.

However, this policy type won't pay out if you die due to disease or other natural causes. It's important to keep in mind that accidental death insurance is not available in every state. Insurance companies may also adjust their rates, coverage levels and exclusions by state — and some companies have age limits for their policies.

Accidental death insurance also has some exclusions. Typically, it will not cover deaths from dangerous hobbies like car racing, skydiving or bungee jumping. These policies also may not cover death from suicide, driving under the influence or a drug overdose. Be sure to check for exclusions before signing up for a policy.

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How Much Does Accidental Death Insurance Cost?

Accidental death insurance generally costs less than other life insurance policy types, though rates may vary depending on your age and lifestyle. Qualifying for accidental death insurance might also be easier because it does not require a medical exam. Regular life insurance plans may deny applicants with health problems, but this is not an issue for accidental death insurance, as it only covers accidents.

Coverage also starts immediately after you sign up. These policies can also have a maximum age limit, so you might not be able to buy coverage if you're older than 55. Additionally, if you have dangerous hobbies like skydiving or car racing, the insurance may be more expensive, or you may not qualify for coverage.

Let's Get Started

No one can predict when or why accidents occur, but we’re here to help you and your family feel more financially prepared.

Why Western & Southern?

We have a heritage of helping people just like you prepare for life’s uncertainties. As one of the strongest life insurance groups, Western & Southern is committed to your future financial stability.

Financial Strength

established 1888

Longevity & Stability

96 comdex ranking

Financial Ratings

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The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, MA and NY.

Accidental Death Policy series 0306-91. Product and feature availability, as well as benefit provisions, may vary by state.

Payment of benefits is the obligation of, and is guaranteed by The Western and Southern Life Insurance Company. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Life Insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.