What Is Accidental Death Benefit Insurance?

Last updated November 29, 2018

An accidental death benefit insurance policy provides the peace of mind necessary to know that you and your family will be taken care of financially in the case of a serious injury or an untimely death caused by an accident.

What Is Considered Accidental Death?

According to the Centers for Disease Control and Prevention, accidents account for over 130,000 deaths each year in the United States. They are the fourth leading cause of death in the U.S. today. That’s a shocking number of fatalities occurring because of accidents.

Accidents come in all shapes and sizes, but it’s typically defined as a sudden event that is not planned or intended, causing injury or death. It’s an unforeseen and sudden physical situation you can’t control. Death from accidents involving motor vehicles, machinery, unintentional poisoning, slip and falls, suffocation, choking, drowning and more are usually covered by accidental death benefit insurance. Therefore, if you’re in a car, bus or airplane crash; or if you are hit by a car while crossing the street or you fall off a ladder while trying to fix your roof and you die as a result—these are considered accidental deaths that would be covered.

Additionally, accidental death benefit insurance may also cover dismemberment—the partial or total loss of a limb or limbs—as well as calamities like paralysis, hearing loss, burns that cover more than 20 percent of your body, etc. A licensed True Blue Life Insurance agent can let you know what your specific policy covers.