ACCIDENTAL DEATH INSURANCE

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Accidental Death Insurance

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.

What Is Accidental Death Insurance?

Accidental death insurance is a type of life insurance that only pays out if you die from an accident, such as a car crash or fall, but doesn’t cover death from illness or old age. It can be purchased:

As a standalone policy (for individuals or families)
As an accidental death benefit rider on whole, universal, or term life insurance

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 you can’t predict the future, planning ahead may help you and your loved ones feel more secure. Life is full of milestones. Instead of worrying about the unknown, consider preparing for it.

This type of life insurance may appeal to younger people, especially teens, who are nearly four times more likely to crash than drivers 20 and older.¹ If you’re considering accidental death insurance, it’s important to understand its limitations:

It’s not full life insurance. It only covers deaths caused by qualifying accidents.
It won’t cover illness-related deaths. Your beneficiaries won’t receive a payout if you die from natural causes or disease.
It doesn’t cover every scenario. Certain accidents, such as those involving high-risk activities or intoxication, may be excluded.

Before buying, make sure you understand what is and isn’t covered so you don’t assume you’re protected in all situations.

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

Flexibility

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?

Covered

Accidental death insurance is designed to pay a benefit to your beneficiaries if you die in an accident. It may cover unintentional deaths caused by falls, drowning, suffocation, choking, fire, or car accidents.

These policies often specify what scenarios are included. For example, if you were to die in a car crash on your way to work, the benefit could help your loved ones pay for funeral costs or other expenses.

Not Covered

This policy won’t pay out if the cause of death is illness or natural causes. It also typically excludes deaths from high-risk activities like skydiving, bungee jumping, or car racing.

Other exclusions may include suicide, drug overdose, or driving under the influence. Availability and terms can vary by state, and some insurers set age limits. Always review a policy’s exclusions and limitations before purchasing.

How Much Does Accidental Death Insurance Cost?

Accidental death insurance typically costs less than other life insurance types, and it’s often easier to qualify since no medical exam is required. Since it only covers accidents, health issues are not considered a factor.

The coverage begins immediately, but there may be an age limit (older than 55) to buy coverage. Risky hobbies and activities like skydiving or car racing may also raise your rates 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.

FIND AN OFFICE OR REP REQUEST AN APPOINTMENT 877-367-9734

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

High ratings reflect stability you can count on

Trusted for Over 135 Years

Helping families protect their future since 1888

Serving Millions Nationwide

Trusted by families across the country

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IMPORTANT DISCLOSURES

¹Teenagers. The Insurance Institute for Highway Safety (IIHS). https://www.iihs.org/research-areas/teenagers.

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.