Call for a Free Quote: 800.764.7507

Mon - Fri 8:00AM to 5:00PM | Submit a Quote Request

122 E. Tehachapi Blvd, Suite "F" - Tehachapi, CA 93561

Monument Commercial Insurance Agency © 2010 - 2017

State Licensed Areas  |  Anti-Spam | Copyright

Privacy Policy | Submission Notice | Terms of Use

Call for a Free Quote - 800.764.7507

" Better Rates, Better Coverage, Better Insurance "

Accidental Death

It is also very commonly offered as "accidental death and dismemberment insurance", also known as an AD&D policy.

 

In an AD&D policy, benefits are available not only for accidental death, but also for loss of limbs or bodily functions such as sight and hearing, etc.

 

Accidental death and AD&D policies very rarely pay a benefit; either the cause of death is not covered, or the coverage is not maintained after the accident until death occurs. To be aware of what coverage they have, an insured should always review their policy for what it covers and what it excludes.

 

Often, it does not cover an insured who puts themselves at risk in activities such as: parachuting, flying an airplane, professional sports, or involvement in a war (military or not). Also, some insurers will exclude death and injury caused by proximate causes due to (but not limited to) racing on wheels and mountaineering.

 

Accidental death benefits can also be added to a standard life insurance policy as a rider. If this rider is purchased, the policy will generally pay double the face amount if the insured dies due to an accident. This used to be commonly referred to as a double indemnity coverage. In some cases, some companies may even offer a triple indemnity cover.