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: Sep 28, 2021

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The Facts of Life

  • There are a handful of life insurance companies that will cover someone after an accident
  • Personal accident insurance and accidental death and dismemberment insurance can be purchased before an accident
  • Most of the life insurance companies that aren’t for people who were in accidents won’t cover high-risk individuals

If you’ve been injured or experienced a life-changing event, you might be wondering where to find the best life insurance companies for people that were in accidents. Nobody wants to leave behind a family with little or no financial support.

To help you protect your family, we’ll break down the best life insurance for someone that’s had an accident, the best personal accident insurance, and whether or not you should get accidental death insurance.

In a few moments, you’ll be well-versed in life insurance companies for people that were in accidents. For now, take advantage of our free tool to get life insurance quotes from providers in minutes.

Which are the best life insurance companies for people that were in accidents?

Can I get life insurance if I’ve been in an accident? In most cases, you will be able to purchase life insurance after an accident.

The big question is what type of life insurance coverage you’ll be eligible for after an accident. Your coverage limits and monthly rates will be dependent on the severity of your accident and if it affects your life moving forward.

There are many life insurance companies for people that were in accidents. You should expect to pay higher life insurance rates, however.

If you find a life insurance company that offers critical illness insurance, there’s a good chance they would cover someone who was in an accident.

These life insurance companies for people that were in accidents include:

  • Aflac
  • Liberty Mutual
  • MetLife
  • Allstate
  • AIG

In short, a company that offers critical illness insurance is willing to insure high-risk policyholders. The same policies would need to be followed for a life insurance company to cover someone that’s been in a major accident.

Realistically, it’s preferable to get insured prior to being involved in an accident. This could save you a lot of time and money in the long run through personal accident insurance or accidental death and dismemberment (AD&D) insurance in more serious situations.

What is personal accident insurance?

Personal accident insurance is usually an add-on feature for your health insurance policy. Personal accident insurance covers nearly any accident you experience outside of the workplace.

The benefit received from a personal accident insurance policy could be used to pay for medical bills or other related expenses which can be a relief if you’re unable to continue working.

What is AD&D insurance?

Accidental death and dismemberment insurance is a type of insurance or insurance rider that helps cover a person if they get into a major accident. But what does accidental death insurance cover?

An accidental death benefit rider is truthfully purchased to benefit your family if you think you’re at an increased risk of being in a major accident.

For example, a pilot or skydiver, for similar reasons, might feel like they’re at an increased risk of death in the event of equipment failure. They could add an AD&D rider to a life insurance policy to help protect their family.

Accidental death and dismemberment also covers you if you accidentally lose a limb. Someone that works with many saws or other sharp items might think about buying AD&D for this reason.

Some AD&D policies will even cover policyholders for loss of vision, hearing, or even speech.

Your hobbies and job tend to be the primary reasons why you might need accidental death insurance. What expenses can an AD&D policy cover? Like personal accident insurance, AD&D insurance can cover medical expenses and other related expenses.

If you were to die in the accident, your beneficiaries would be supplied a benefit that they could use to cover funeral expenses, medical bills, or other necessary expenses.

Does life insurance cover accidental death?

Your life insurance policy may already cover deaths related to accidents. This depends on the nature of the death. Most commonly, life insurance won’t cover a death related to risk activities like hang gliding or skydiving.

In most normal cases, your life insurance company should still supply a death benefit to your beneficiaries regardless of the cause of death. In which case, is accidental death insurance worth it?

Realistically, this could vary from company to company. The more straightforward answer is that AD&D insurance is worth it for those who have high-risk occupations.

Are there other options for accident insurance?

Similar to personal accident insurance, you could find other options such as Member Loyalty Accident Insurance with AAA. While most people know AAA for auto-recovery and services, they help with life insurance and related products, too.

Member loyalty and accident insurance can be used to cover expenses related to an accident. Most notably, AAA will cover your hospital expenses, including emergency room care.

If you have basic health insurance or no insurance at all, this could be an excellent option to avoid catastrophic expenses due to a hospital stay.

Another option is to select a waiver of premium rider when purchasing a traditional life insurance policy. With this rider, you might not receive any major benefit, but your insurance payments will go on hold while you’re unable to work.

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What You Need to Know About Life Insurance Companies for People That Were in Accidents

Overall, there are plenty of options revolving around life insurance-related products and accidents. Your best bet is to purchase insurance before you get into an accident. You should still be able to find it after an accident but expect to pay higher life insurance rates.

Buying life insurance can be an important step forward in your family’s financial plan. One of life’s biggest stressors is money, so it makes sense to protect your family financially before you go.

Accidents can happen any day. Whether you have a high-risk job, travel to work in a car, or if you just have an unlucky day, virtually anyone could have a life-changing accident that prevents them from working.

At the end of the day, it’s much easier to take advantage of accidents or unemployment through preventative measures than it is to respond to these situations after the fact.

Find the most affordable life insurance companies for people that were in accidents right now. Use our free quote tool to get instant life insurance rates from top insurers in your area today.