Accidental Death Benefit Rider for Life Insurance

Accidental death benefit rider life insurance provides more coverage if you pass away in an accident covered by your insurance company. The average cost of life insurance is as low as $31/mo. However, your rates will vary, and adding an accidental death benefit for life insurance will add an additional cost. Shop around and compare life insurance companies with an accidental death benefit rider to get the best deals.

Free Insurance Comparison

 Secured with SHA-256 Encryption

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 28, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Rundown

  • An accidental death benefit rider is a perk that adds accidental death to your life insurance coverage
  • Crashes, slips, choking, machinery, and other types of accidents are covered by accidental death benefit riders
  • There are at least four types of accidental death benefit plans
  • Beneficiaries can receive life insurance death benefits and accidental death benefit coverage limits

Did you know you can add accidental death benefits to your life insurance policy? Life insurance companies with an accidental death benefit rider provide more coverage if a policyholder dies in an accident.

But what’s considered an accidental death by life insurance companies?

Read through this guide to learn more about how life insurance works with accidental death benefit riders, how much accidental death benefit rider life insurance rates cost, and where you can get accidental death benefit perks.

Are you ready to shop for life insurance with an accidental death benefit rider? Enter your ZIP code in the free comparison tool above to compare life insurance quotes from multiple companies in your local area.

How much is accidental death benefit rider life insurance?

Life insurance costs can be tricky. Several factors determine whether affordable life insurance rates with an accidental death benefit rider are available to you.

Pinpointing the price of life insurance riders is challenging. The most significant factors are age, health, policy amount, and policy type.

On average, term life insurance rates for 25-year-old policyholders are about $31/month for nonsmokers and $86/month for smokers.

Accidental death benefit riders add about $20 a month to your life insurance rate on average.

All types of life insurance riders add extra cost, but there’s no way to target an average rate because riders vary for each company.

Comparing free insurance quotes online can give you a better idea of what you’ll pay for an accidental death benefit rider on your life insurance. The great thing about getting accidental death benefit rider life insurance quotes is that you’re not committed to buying a policy.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption

Does life insurance cover accidental death?

The short answer is yes. However, you’ll need to buy a life insurance policy with an accidental death benefits rider for this coverage to apply.

What’s considered an accidental death by life insurance companies? Check out this list to see what types of accidents are covered by accidental death benefits rider life insurance:

  • Car Crashes
  • Slips
  • Choking
  • Drowning
  • Machinery

In some cases, accidental death benefit riders cover dismemberment. These policies and riders are known as accidental death and dismemberment (AD&D) life insurance.

What is an accidental death benefit rider?

In life insurance, riders are perks you can add to your insurance policy. The accidental death benefit is a clause that pays out to a beneficiary if the policyholder dies in an accident.

For example, let’s say you have a $250,000 life insurance policy with an accidental death benefit rider with a policy limit of $150,000. If you pass away in a car accident, your beneficiary will receive $250,000 in addition to the $150,000 from the accidental death benefit rider.

That’s a payout of $500,000 once the claim is resolved.

According to the Centers for Disease Control (CDC), 173,040 died from unintentional injury in 2016. Having an accidental death benefit rider in place will help loved ones financially recover if this should happen to you.

Let’s look at a few examples of the types of accidental death benefit plans you can purchase:

  • Group Life Insurance (Dependent Focused Plan) – It’s a standard plan from an employer that focuses on family members as beneficiaries
  • Voluntary Group Life Insurance Plan – Employees have an option of enrolling into group life insurance and accidental death benefits
  • Group Life Insurance Plan – A perk that comes with your employment (not available from all employers)
  • Travel Accident Plan – Accidental death life insurance plan that covers a policyholder if an accident happens outside the United States

This is only part of what’s out there. Term life insurance and permanent life insurance allow you to customize your policy, but each life insurance company is different. Coverage will vary, and several situations may not be considered an accident by your insurance company. Read on to learn more about what’s excluded from accidental death benefit riders.

What are the accidental death benefit rider exclusions?

Accidental death benefits don’t cover some accidents. Here’s a list of events that life insurance companies won’t cover under accidental death benefits:

  • Suicide
  • Death while at war
  • Alcohol in combination with drugs/medications
  • Death during a crime
  • Passing away from illness
  • Dying from natural causes
  • Fatal accidents during hazardous hobbies (race car driving, parkour, etc.)

Although accidental death benefit riders don’t cover these situations, you may be able to locate a life insurance company that does. Compare the best insurance companies to find out where you buy life insurance coverage regardless of the event in question.

Which life insurance companies offer accidental death benefit riders?

Review the list below of the top companies for life insurance and accidental death benefits:

  • Northwestern Mutual
  • New York Life
  • Mutual of Omaha
  • Prudential
  • State Farm Life
  • Transamerica
  • USAA

There could be other companies near you that offer dependable life insurance with accidental death benefits attached at competitive rates, so shop around and compare local insurance companies to lock in the best accidental death benefit rider life insurance rates.

Three Ways to Buy Accidental Death Benefit Rider Life Insurance

Are you determined to get accidental death benefits for your life insurance policy? Here are three ways to buy an accidental death benefit rider:

  • Request an accidental death benefit rider from your current life insurance company
  • Shop around and purchase an AD&D policy from an affordable life insurance company
  • Ask your employer’s human resources department to add an accidental death benefit rider to your group life insurance policy

For more information on how to buy life insurance and other types of coverage, check out our insurance answers and insurance reviews.

How much life insurance companies charge for accidental death benefits will vary, but it’s worth every cent if you are the main breadwinner for your family.

Shop around and compare quotes from multiple companies to find the most affordable accidental death benefit rider life insurance rates. Start here with our free online quote tool below to get free quotes from local companies today.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption