An accidental death, or accidental death & dismemberment (AD&D) rider, is a promise that the insurer will pay an additional amount if death occurs from one of the accidents specifically listed in the rider.
Unless you work in a high-risk job, it's probably not worth the extra cost. Insurers rarely have to pay an accidental death rider, which makes it a great add-on from the insurer's point of view but not worth very much to you.
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insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any
policy is determined by the underwriting insurance company following application.
Savings are estimated by
comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker
male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000,
20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper
in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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