Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 16, 2021

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The Brief

  • If you are between the ages of 18 and 70, you can get an AD&D policy without a medical exam
  • Accidental Death & Dismemberment insurance is often offered through employee benefit programs
  • Accident Death & Dismemberment insurance doesn’t cover all types of accidental death so you must read the fine print

In the United States, accidents are one of the top three causes of death for adults.

Thankfully, life insurance companies for people that were in accidents offer affordable life insurance that can provide protection for you and your family.

You can buy life insurance from life insurance companies for people that were in accidents and, more specifically, accidental death and dismemberment (AD&D) insurance.

Of course, you should make sure that you understand what AD&D covers and if it really suits your needs, and compare life insurance quotes just as you before you buy any other life insurance products.

Start comparing life insurance quotes right now with the click of a button. Enter your ZIP code to get free life insurance quotes from local life insurance companies for people that were in accidents.

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

There is a very good chance that you could get this coverage through your employer. The Society for Human Resource Management reported in its 2019 survey that 83% of employers offered AD&D insurance to their employees. 

However, if your job doesn’t offer AD&D insurance or you are self-employed, you don’t have to worry. A few life insurance companies sell stand-alone AD&D insurance policies, including:

  • AIG Direct
  • Farmers Insurance
  • Mutual of Omaha
  • Fabric
  • State Farm

State Farm offers AD&D coverage as part of its long-term disability insurance policy. With this policy, you can choose between a five-year benefit period or a “-to age 67” benefit option.

You can also add a cost of living adjustment (COLA) benefit. This type of benefit works to protect you against inflation by increasing your monthly disability payments each year.

Fabric offers very cost-effective AD&D policies that cover death from bike crashes, fire, and murder.

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What is Accidental Death and Dismemberment insurance?

Does life insurance cover accidental deaths? Yes, it does.

Accidental death and dismemberment insurance is specifically designed to provide financial protection for you if you were to die, lose a limb, or lose one or more of your primary senses, like your hearing, due to an accident.

If you were to pass away due to an accident, your beneficiaries would usually receive a lump-sum payment. Now, if you were injured, you would receive payment known as living benefits. How much you receive is contingent upon the extent of your injuries.

For example, if you were to lose your foot due to an accident, your AD&D policy might pay out 50% of the coverage amount you purchased, but if you lost your sight and a hand, then you may receive 100% of your payout from your policy.

Now if you were to become paralyzed, some policies may only pay 50% while others could pay 100% so you’ll need to read the fine print in your policy before you decide to finalize it.

How much coverage you can get from an AD&D policy depends entirely upon the company selling it or by the employers offering this type of insurance.

What does AD&D insurance cover?

You will only receive a payout from your AD&D insurance policy if you were to die from or receive injuries from an accident. Deaths by natural causes or illnesses are not covered by this type of policy.

To be more specific, death or injuries are covered with AD&D insurance if they resulted from accidents while traveling or at home or work.

What’s more, if you were to die in an accident while using public transportation like a plane, train, or bus, your payout could be greater than the amount of your base coverage.

Death from an accident doesn’t have to be instant either. You can still be covered by this policy if the injuries you incurred from an accident are the cause of your death several weeks or months after the accident occurred.

A life insurance company that offers AD&D insurance may also have a provision in your policy that will add to your payout if you had your seatbelt on during an accident that killed or injured you.

These options will differ from insurance company to insurance company but many other possible benefits of AD&D insurance include:

  • Financial benefits designed to help pay for a surviving child’s higher education
  • Legal and financial advising and counseling services for a surviving spouse
  • Applicants also do not have to undergo a medical exam to get an AD&D insurance policy.

Accidental Death & Dismemberment insurance is very appealing as many life insurance companies for people that weren’t in accidents have more expensive life insurance rates for individuals with pre-existing conditions. They might not even accept such applicants altogether.

Each policy will vary when it comes to this type of coverage, so be sure to compare multiple life insurance companies for people that were in accidents before you buy.

What does AD&D insurance not cover?

Life insurance companies tend to have stringent definitions of what an accident is and often have a very long list of exclusions.

Here is a list of common exclusions on AD&D insurance policies:

  • Injury incurred prior to coverage
  • Death caused by illnesses, including mental illness
  • Suicide
  • Self-inflicted injuries
  • Death by a drug overdose
  • Death or injury when driving drunk
  • Death or injury from inhaling gas or taking poison on purpose
  • Death or injury sustained when taking part in a crime
  • Death or injury while taking part in a riot
  • Death or injury during a war
  • Injuries sustained while serving in the armed services
  • Death or injury from car racing
  • Death or injury from flying a plane,
  • Death or injury from playing professional sports
  • Death or injury from participating in extreme sports like sky-diving or scuba-diving

Bear in mind that no two companies are the same. You must always ask questions when shopping for insurance policies. This is especially important because the rules can change not only between life insurance companies but between states as well.

How much does Accidental Death & Dismemberment insurance cost?

While AD&D life insurance rates are often cheaper than the more traditional forms of life insurance, bear in mind that is because AD&D policies are very selective about when payouts can be made.

If your employer offers AD&D insurance, you will get a basic amount of coverage for free. If you were to go out and buy AD&D insurance on your own, you’ll see that the premiums have a direct relationship to the amount of coverage you decide to purchase.

For example, rates from Fabric start at only $6 a month for $100,000 of coverage. If you were to purchase $500,000 in coverage, your rates would rise to $30 a month.

Rates will vary between insurance companies so the best thing you can do is shop online to compare life insurance quotes and make sure you are getting the best coverage for your needs.

How to Find Affordable Life Insurance Companies for People That Were in Accidents

Is accidental death insurance worth it? That question can only be answered by conducting a thorough look at your needs and your lifestyle.

AD&D insurance won’t cover you if you play professional sports or are a skydiver, but it can provide great coverage to individuals with pre-existing conditions since they usually have a harder time finding affordable life insurance policies.

AD&D insurance doesn’t discriminate upon your health either. If you are between the ages of 18 and 70, you can get an AD&D policy without a medical exam and can have coverage as soon as your purchase is finalized.

While you may be able to get to this type of insurance through work, you can also look outside your employer to find an AD&D policy that is the right fit for you.

Enter your ZIP code into our free tool get free quotes from life insurance companies for people that were in accidents today.