Accidental Death Insurance

Another layer of protection for the unexpected.

Accidental death insurance can be an affordable way to add financial protection. It can supplement life insurance you already have, provide additional coverage at a lower cost, or offer another option if health concerns make traditional life insurance difficult to obtain.

If an accident results in your death, the policy provides money to the person or people you've chosen to receive it. That money can help replace lost income, pay a mortgage or other debts, cover final expenses, or simply help with everyday financial needs.

Accidental death insurance is different from traditional life insurance—it pays when death is caused by an accident, not an illness or other medical condition.

Think About What Would Still Need to Be Paid

If you passed away unexpectedly in an accident, the financial responsibilities you helped support wouldn't simply disappear. Accidental death insurance can provide additional money to help the people you care about with everyday expenses, housing costs, debts and other financial needs.

Consider the Protection You Already Have

Think About What Would Still Need to Be Paid

If you already have life insurance, accidental death coverage can add another layer of protection. If traditional life insurance is difficult to obtain or doesn't fit comfortably within your budget, it may also provide another option to consider.

Coverage Designed To Be Simple

Easy to Apply for

Optional Income Protection After an Accident

Applying is simple, with no medical exam required. Most policies are issued quickly, so your protection can begin without a lengthy application process.

Optional Income Protection After an Accident

You can add an optional benefit that provides monthly income if an accident leaves you totally disabled and unable to work.

Adds to the Protection You Already Have

Optional Income Protection After an Accident

Adds to the Protection You Already Have

Accidental death benefits are paid in addition to other life insurance or benefits you may already have in place.

How Much Coverage Should You Consider?

There isn't one amount that's right for everyone. A good place to start is thinking about the financial responsibilities the people you care about would still have if you passed away unexpectedly.

Everyday living expenses
Mortgage or rent
Utility and phone bills
Car loans and other debts
Childcare
Future education costs
Final expenses

The goal isn't simply to choose a large number. It's to think about what financial help the people you care about might actually need.

Quote Now - Apply Now

See How It Could Work

Megan, featured in an accidental death insurance example

Megan - Adding Affordable Protection

Dave - Adding Income Protection After an Accident

Megan, 38

Married with two kids

Dance instructor earning $62,000/year

"I won’t have to worry about my husband paying off my loans if something happens to me.”

ACCIDENTAL DEATH INSURANCE

$300,000 death benefit

About $18 a month

Dave, featured in an accidental death insurance example

Dave - Adding Income Protection After an Accident

Dave, 29

Married with baby on the way

Roofer earning $38,000/year

Life insurance through employer

"We can’t afford as much life insurance as we'd like right now, so this gives us another layer of financial protection.”

ACCIDENTAL DEATH INSURANCE WITH DISABILITY

$250,000 death benefit + $1,200 monthly accidental disability income benefit

About $41 a month

Important Disclosure Information

These products may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information.

Policy Form Nos. I H2004, I H2011 and L T02-E and Rider Form Nos. R I 2005 and R I0827-W underwritten by Assurity Life Insurance Company, Lincoln, Nebraska. Policy Form No. I H1513 NY and Rider Form No. R I 1514 NY underwritten by Assurity Life Insurance Company of New York, Albany, New York.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

1 National Center for Injury Prevention and Control, CDC, Top Ten Leading Causes of Death in the U.S. for Ages 1-44 from 1981-2022, July 2024

2 Base Policy provides a $300,000 death benefit, based on a 38-year-old, non-smoking female earning $62,000 annually, initial monthly premium $18

3 Base Policy provides a $250,000 death benefit + $1,200 accidental disability Income benefit, based on a 29-year-old male earning $38,000 annually, total monthly premium $41

Accidental Death Insurance

Another layer of protection for the unexpected.

Think About What Would Still Need to Be Paid

Think About What Would Still Need to Be Paid

Think About What Would Still Need to Be Paid

Consider the Protection You Already Have

Think About What Would Still Need to Be Paid

Think About What Would Still Need to Be Paid

Coverage Designed To Be Simple

Easy to Apply for

Optional Income Protection After an Accident

Optional Income Protection After an Accident

Optional Income Protection After an Accident

Optional Income Protection After an Accident

Optional Income Protection After an Accident

Adds to the Protection You Already Have

Optional Income Protection After an Accident

Adds to the Protection You Already Have

How Much Coverage Should You Consider?

See How It Could Work

Megan - Adding Affordable Protection

Dave - Adding Income Protection After an Accident

Dave - Adding Income Protection After an Accident

Dave - Adding Income Protection After an Accident

Dave - Adding Income Protection After an Accident

Dave - Adding Income Protection After an Accident

This website uses cookies.