accidental death insurance

We can never see an accident coming. We can never plan for that. Accidents are the leading cause of death for those <45, and the 3rd leading cause of death for 45+.

Everyone should have an accidental death policy if they are 70 or younger. It's so inexpensive! 

If you died from any kind of accident, your beneficiary would get the payout Tax free into their checking account. They could choose to use this money for whatever they deemed most necessary: mortgage payments, paying off the mortgage, burial and funeral costs, household bills, medical bills, for a child’s college fund, they can spend it however they choose.

It pays out if you pass away from anything deemed an accident: Falls, Car Crashes, Choking, Drowning, Machinery, Electrocution, Plane Crashes, even if you slip and fall down the stairs and hit your head, etc.

It's a Guaranteed instant issue product, they do not ask any medical history or prescription questions.

Since Term, Permanent & Whole life coverage is more expensive, some people go with the option of adding on Accidental coverage to still be able to get some protection put in place for their loved ones while not spending as much money if they are on a tight budget. 

Benefits Included at no extra charge:

• Common Carrier Benefit (commercial airline, Amtrak, Cruise, anything Commercial): provides an additional death benefit equal to the base accidental death benefit- example: if $100,000 policy, they would pay out $200,000 
• Auto / Pedestrian Benefit: pays an additional 50% percent of the face amount of the accidental death benefit.
• If 18-50 years old, you can add on a Return of Premium ROP option if you choose- if you didn't use the policy by the time you are 80 years old, you would get 100% of your premiums paid back to you.

(Accidental not available in Massachusetts, Minnesota or New Mexico)