What is accidental death benefit?

Accidental death benefit is a payment due to the beneficiary of an accidental death insurance policy, which is often a clause or rider connected to a life insurance policy. The accidental death benefit (ADB) life insurance policy usually pays in addition to the standard benefit payable if the insured died of natural causes.

Are accidental death benefits included in life insurance?

Accidental death benefits are optional riders, so they aren’t included in standard life insurance policies. Certain jobs and workers in dangerous environments should consider an accidental death benefit rider. Accidental death benefits are riders or provisions that may be added to basic life insurance policies at the request of the insured party.

What does accidental death insurance cover?

Commonly called ad&d insurance, accidental death insurance can also cover if you are injured and suffer a loss, but do not die. In most cases, dismemberment insurance pays a percentage of the face amount of your policy. The percentage is based on the seriousness of the injury. Examples of an ad&d insurance covered accident.