This policy might be a good fit for you if you: Work in a hazardous environment: If you work a manual labor job, around heavy machinery, or in a workplace where accidents are more frequent, talk to an agent about whether this type of policy is a good fit. Travel or commute frequently: Whether you travel for work or pleasure, it's always good to make sure you're covered. Need quick coverage: Since most accidental death benefit policies don't require a medical exam, this can be an easy policy to apply for if you need coverage sooner than later. Accidental death benefit insurance can be an affordable alternative if you are looking for a short-term, specific type of coverage. If your goal is long-term financial safety net for your family, adding an accidental death benefit rider to your term life or permanent life insurance policy may make more sense. Be sure to talk to a life insurance agent about your options.