Your plan for the unexpected.

Yes! Just listen to these stats: did you know that accidents are the third leading cause of death in the U.S., after heart disease and cancer? In fact, they’re the no. 1 cause of death for adults ages 25 to 44, according to the Centers for Disease Control. If you work in a particularly risky or dangerous occupation, this type of insurance is also worth considering.

It’s actually really affordable, as the chances of passing away from an accident are generally quite low. Accidental death insurance policies also make excellent supplemental policies alongside decreasing term life insurance.

As always, check the fine print. Keep in mind that most policies exclude deaths due to high-risk activities, like skydiving or car racing, along with drunken or drug-induced driving, war, complications from surgery, or suicide.

There are very few exceptions when it comes to receiving your payout through term life insurance, no matter the manner of your death. However, accidental death insurance will only provide benefits if you die in a covered accident.

We like to think that our applicants are trustworthy people. That’s why we base approvals and premiums on the answers that you give us in your application. It saves time, gets you covered faster, and avoids any hassle over medical appointments. Did we mention that our entire application process is 100% digital too?