Does Term Life Insurance Include Accidental Death?

  1. 3998 POINTS
    Matt Benore
    Founder, DenverWest Insurance Professionals, Inc.,
    Many companies will include Accidental Death as a rider to the policy.  When you request a quote, be sure to ask about adding Accidental Death as it probably will not happen automatically.  You will also need to find out the limits are.  You may only be able to get half of the base death benefit up to a maximum.  Shop around as each company is different.
    Answered on December 11, 2013
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  2. 63333 POINTS
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    Peggy MacePRO
    Most of the U.S.
    Yes, Term Life Insurance does pay the death benefit for both accidental death and natural death. This is different from accidental death insurance, or an accidental death rider, that ONLY pay for accidental death. Since far more deaths result from illness than result from accident, it is wise to get regular life insurance. That way you will be covered whether death occurs from natural causes or from an accident.
    Answered on December 11, 2013
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  3. 5877 POINTS
    Stan Cox II
    Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii
    It depends on the company that issues the policy, but it is possible to add an accidental death rider to some term insurance policies. It does not come as a standard provision or rider with any policies that I am aware of. In any case an accidental death rider must be added as an option at the time the policy is implemented because riders can not be added after a policy is in force.
    Answered on September 28, 2015
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