Accidental Death Insurance

What is accidental death insurance?

Life and accidental death and dismemberment insurance is designed to pay out to the employee’s financial dependents to make up for some of the lost income if the employee dies. The coverage could last for a limited period, until the employee reaches retirement age or until they die regardless of age.

Accidental death insurance is a type of life insurance, but it only pays out if the death is from an accident, or in some cases a homicide.

The plan will also provide a smaller payout if the individual loses their sight, an arm/leg, or maybe a toe or finger in an accident. This would be considered more as accidental dismemberment insurance. 

This type of policy can be on its own, or it can be added on top of the normal life insurance payout. Like some others, neither of these policies are a substitute for workers’ compensation, which is mandatory for most employers.

Call us if you’re interested in learning more about this type of insurance for your employees. We can help you to determine if it is a good fit for your business.

Our Easy 3 Step Process

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Plan

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