Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Feb 22, 2021

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The Facts of Life

  • Accidental death benefit riders can be added to a basic life insurance policy, such as term life insurance
  • If your lifestyle increases your risks of a fatal accident, you may need an accidental death benefit rider
  • Life insurance companies may recommend an accidental death benefit rider if your job has a dangerous environment
  • Accidental death & dismemberment (AD&D) insurance is more expensive

Some life insurance companies won’t cover a fatal accident that suddenly happens. To ensure your beneficiary receives your death benefits, you’ll need to add the accidental death benefit rider to your life insurance policy.

Some of the best life insurance companies carry various types of accidental death benefit riders. But does an accidental death benefit rider increase your life insurance cost per month? Our guide explores everything you need to know about accidental death benefits and how it works.

Do life insurance companies in your area have accidental death benefit riders? Use our free comparison tool to compare the top life insurance companies in your local area to find affordable life insurance.

Are there different types of accidental death benefit riders?

The short answer is yes. Life insurance providers have various types of accidental death benefits to cover specific situations.

Classifying the type of accident guarantees a death benefit to the beneficiary regardless of how a fatal accident occurs. Here’s a list of a few accidental death benefit riders.

Types of Accidental Death Benefit Riders
Accidental Death Benefit Rider TypesWhat It Does
Group Life SupplementAdded automatically with no additional cost; It's available to all employees and covers accidental death at work
Voluntary This is an optional group life perk; Adding it will deduct money from your paycheck
Travel AccidentYou will be covered if you get into an accident while on business
DependentsA perk that covers your dependents
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If your employer provides life insurance, you may have an accidental death benefit rider attached to it without any additional cost. However, a voluntary accidental death benefit rider may come with extra cost.

It shouldn’t go up that much, but any increase from a voluntary accidental death benefit rider will come out of your paychecks.

According to the U.S. Office of Personnel Management, federal employees receive group life insurance through the Federal Employees’ Group Life Insurance (FEGLI). Any additional perks (or riders) will cost more.

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How much does it cost to add an accidental death benefit rider?

Adding an accidental death benefit rider can be as low as $6 per month on your life insurance premium. However, you’ll get a different price for each life insurance company.

Therefore, you won’t explicitly receive accidental death benefit rider rates. Some companies include the rider automatically, but be prepared to pay a little more for life insurance when you add a rider.

If you’re looking for accidental death benefit rider quotes, you’ll be presented with life insurance policies instead. You won’t have the option to add a rider until you choose a life insurance policy.

Is it cheaper to buy accidental death & dismemberment life insurance?

It depends on the company. Some accidental death insurance policies can cost $30 or more, depending on your death benefits.

Term life insurance is much cheaper than permanent life insurance.

When you buy an accidental death benefit rider, you’re just adding a perk that supplements your life insurance policy.

However, accidental death & dismemberment life insurance targets accidental death while providing the same benefits as a basic life insurance policy. In addition to policy perks, your life insurance premium is determined by policy limits.

Overall, it’s cheaper to buy accidental death benefit riders for a policy. There’s a chance it could be automatically added to your life insurance premium.

How does an accidental death benefit rider work?

Understanding accidental death benefits are not as complicated as it appears. Life insurance companies may recommend it due to your lifestyle choices or the nature of your job.

For example, a life insurance agent may recommend a firefighter get an accidental death benefit rider since they are around so many hazards. These dangers, of course, will increase the chances of accidental death.

If a person is killed on the job or in a car accident, the accidental death benefit rider ensures the policyholder’s beneficiary will receive the death benefit (coverage limit) on the life insurance policy.

Why did my life insurance company void my accidental death benefit?

A life insurance company may void your accidental death benefit if your lifestyle creates unnecessary risks or if you’re in the armed forces. For instance, a life insurance company could withdraw an accidental death benefit if the insured dies from committing illegal activity or skydiving.

Each life insurance provider specifies what voids an accidental death benefit rider. Ask a life insurance agent what can negate your accidental death benefit rider before adding it to your life insurance policy.

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Accidental Death Benefit Rider: What the bottom line?

Ultimately, the accidental death benefit rider provides additional coverage if the insured dies in an accident, whether it be on the job or other unexpected accidents. Depending on the company or employer, you may pay more for adding an accidental death benefit rider.

Now that you know more about accidental death benefit riders, use our free online quote tool by entering your ZIP code below to compare multiple companies in your area.