☰ ˟
Send us a text: 269-339-0002 Language Selector
Logo Bulgarian Logo
  • Home
  • Get A Quote
    • Annuities
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Farm
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
    • Life
    • Motorcycle
    • Pet Insurance
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Earthquake
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Insurance Glossary
  • About Us
    • About Allen Harmon Mason Selinger Insurance Agency
    • Our Locations
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > What Is an Accidental Death Benefit with Life Insurance?
THURSDAY, APRIL 20, 2017

What Is an Accidental Death Benefit with Life Insurance?

image of family outside homeWhen buying life insurance, you have numerous options to consider. Life insurance provides a payout to those that you name as beneficiaries on the policy. This payout occurs if you die.

However, some policies offer your loved ones more protection from high-risk situations. These might be things such as sudden, fatal accidents. As you consider policy options, determine whether accidental death benefit coverage is necessary.

Defining Accidental Death Benefit

Accidental death benefit is a term you will see listed in your life insurance policy in some cases. It is a term that describes a specific type of payout at the time of death. In this situation, the policy will pay out a specific amount of money if your death is accidental.

Comparatively, standard life insurance usually only pays if an individual’s death is from natural causes. Accidental death benefits are often additional payouts given for unexpected and unpreventable deaths.

Some life insurance policies contain an accident death benefit, though not all do. This is often added as a rider or supplement to the actual life insurance policy. It pays out a different amount in addition to the standard benefit payable to your loved ones. This type of benefit can extend up to a year after the accident occurs. This allows time for the insurer and potentially the law to investigate the claim.

When Does Accidental Death Benefit Apply?

The life insurance policy will provide specific information about when an accidental death benefit applies. In most cases, it is due to any type of accident. Exclusions apply. For example, death from war, illegal activities, or high-risk situations are often excluded. If you engage in hobbies thought to be hazardous, death as a result may not have coverage. Again, this depends on the terms of the policy.

Should you have accidental death coverage? This depends on many factors including where you live, the work you do, and the amount of risk you have with the hobbies you engage in. A customized policy that meets your needs is important. Accidental death benefits can help many loved ones who may have to manage the financial loss suddenly.

Allen Harmon Agency is here to help you get a fast, free quote on life insurance. Give us a call at (269) 441-5156 for more information.
Posted 11:17 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012

  • insurance(32)
  • home insurance(26)
  • auto insurance(25)
  • business insurance(22)
  • tips(22)
  • coverage(21)
  • life insurance(20)
  • battle creek(14)
  • savings(12)
  • health insurance(9)
  • battle creek auto insurance(9)
  • battle creek home insurance(8)
  • battle creek life insurance(7)
  • battle creek car insurance(7)
  • safety(6)
  • battle creek homeowners insurance(5)
  • boat insurance(4)
  • general liability(4)
  • car insurance battle creek(4)
  • premiums(4)
  • auto(4)
  • commercial auto insurance(4)
  • auto insurance battle creek(4)
  • life(3)
  • costs(3)
  • winter(3)
  • workers compensation(3)
  • michigan(3)
  • health(3)
  • battle creek business insurance(3)
  • commercial auto(2)
  • policy(2)
  • protection(2)
  • homeowners insurance(2)
  • allen harmon insurance(2)
  • property insurance(2)
  • battle creek health insurance(2)
  • general liability insurance(2)
  • claims(2)
  • driving(2)
  • cold(2)
  • battle creek mi homeowners insurance(2)
  • home insurance battle creek(2)
  • homeowners insurance battle creek(2)
  • homeowners(2)
  • commercial(2)
  • battle creek bombers(1)
  • teen drivers(1)
  • workers(1)
  • compensation(1)

View Mobile Version
Facebook icon Twitter icon Google Icon Twitter icon
Allen Harmon Battle Creek | 230 N Helmer Rd | Battle Creek , MI 49037 | (269) 441-5156 Allen Harmon Rochester | 961 Oakwood Dr | Rochester, MI 48307 | (877) 205-0051
© Copyright. All rights reserved.
Powered by Insurance Website Builder