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Accidental Death Benefit

Secures an additional money to be paid to the beneficiaries if the policy holder dies as a result of an accident
It is often referred to as "double indemnity," because this rider usually doubles the amount of the death benefit. Sometimes accidental death benefits only apply to accidents that you have while working that result in death. Other times, an accident can be defined more loosely and might cover any type of accident that results in an early death. The possibility of one partner dying from an accident is higher than death by any other means for young couples. For example, some occupations are more hazardous than others, especially if you are employed in a field using heavy machinery. When added to a life insurance policy, this rider secures an additional amount of money to be paid to the beneficiary/beneficiaries if the insured dies as a result of an accident.



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