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Seriously? An accidental Death Policy? That's not how I plan on going out.

 

✅ What is Accidental Death Insurance (AD&D)?

Nobody wakes up and plans to get into an accident. AD pays a benefit only if you die (or are seriously injured) due to an accident — like a car crash, fall, or workplace accident. It typically does NOT cover death by illness, suicide, or natural causes. Accidental deaths, or unintentional injuries, are the third leading cause of death in the United States, following heart disease and cancer.

 

🎯 Is It Necessary?

It can make sense if:

• You work in a high-risk job (construction, trucking, manufacturing, etc.)

• You have no or limited life insurance, and AD&D is a cheap supplement

• You’re young and healthy and want low-cost extra coverage for sudden events

• You want additional payout for injury (loss of limb, sight, etc.)

But it may not be worth it if:

• You already have adequate life insurance (term or whole life)

• You don’t work or live in a high-risk environment

• You’d rather put money toward a more comprehensive plan

 

📊 Accidental Death Statistics (U.S.):

• 222,698 people died from accidental deaths in 2024

• Top causes of accidental deaths:

  • Car crashes (40,900 in 2024)

  • Falls (especially for older adults) (46.653 in 2024)

  • Poisoning (including overdoses) (107,543 in 2024)

  • Work Related (5,283 in 2024)

• Age matters: Accidental death is a leading cause of death for people under 45.

• Older adults are far more likely to die from illness than accidents.

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💡 Need to Know:

If you're considering AD&D, you may want to:

• Use it as a supplement, not a replacement, for life insurance.

• Policies typically start as low as $10 for women and $16 for men for $100,000 death benefit. Premiums depend on age.

• Some policies may include riders that allow you to create a will (only 37% of Americans have one, the rest are meaning to get one) and orphan benefits.

• Policy Issue Age 18-70. Guaranteed Insurability.

• Benefit amount up to $500,000

• R.O.P. (Return of Premium) options available after 20 years with certain carriers.