Open main menu Open login menu Agent Center For Individuals. Accidental Death Insurance HOW IT WORKS Pays your loved ones money if you die from an accident. Why do you need accidental death insurance? Consider accidental death insurance if you're looking for an affordable alternative to life insurance, if you want to supplement your current life insurance coverage, or if you're unable to qualify for life insurance due to medical reasons. It can do more than replace a lost income – it can pay for final expenses, a mortgage and more. To prepare for the unexpected What if your family suddenly lost your income? The money from accidental death insurance can help keep life moving if you die from an accident. For peace of mind Accidental death insurance helps your family keep up with some of the most important things in life—like mortgage or rent, childcare, college tuition and more. Kevin from Accounting with his son How much accidental death insurance do you need? Accidents are unexpected, by definition. To figure out how much accidental death insurance is right for your family, consider how much they would need if they lost your income with no time to prepare. Know the odds Accidental death may not seem very likely, but it happens more often than you may think for people in certain age groups, jobs, and lifestyles. And no matter the odds, this insurance is an affordable way to plan ahead should the unexpected happen to you. Consider this: Accidents are the leading cause of death for people age 44 or younger in the United States.1 People who work outdoors, in manufacturing, construction, or other hands-on jobs can be more at risk for accidents—and may not be able to qualify for traditional life insurance. What would your family need? If you’re like most Americans, your monthly budget probably doesn’t leave as much room for the unforeseen as you’d like. Without your income, what would your family need to keep daily living expenses covered and long-term plans on track? How would they cover: Essentials like groceries and childcare Mortgage or rent Utility and phone bills Regular loan or car payments Planning ahead for children's education or retirement Key features of accidental death insurance Accidental death insurance provides money to your family to help them manage without your income should the unexpected happen. Benefits add up Accidental death benefits are paid directly to your family or other beneficiary. The money doesn't take the place of any life insurance or other compensation your beneficiaries are entitled to—it's paid in addition to other benefits you may have in place. Easy application, protection starts right away You won’t need a medical exam. After we receive your application, most policies will be issued within two business days and you’ll be covered. Optional disability income protection If an injury leaves you unable to work, the loss of your income can quickly drain savings. The Accident Only Disability Income Rider is an affordable option you can buy with your policy—and secure an income if you suffer a total disability caused by an accident. Insurance solutions that fit your needs Megan, 38 Married with two kids Dance instructor earning $62,000/year I won’t have to worry about my husband paying off my loans if something happens to me.” ACCIDENTAL DEATH INSURANCE $300,000 death benefit About $18 a month2 Dave, 29 Married with baby on the way Roofer earning $38,000/year Life insurance through employer We can’t afford a lot of life insurance right now, so I feel good having a back-up plan to protect my family.” ACCIDENTAL DEATH INSURANCE WITH DISABILITY $250,000 death benefit + $1,200 monthly accidental disability income benefit About $41 a month3 Already have Assurity Accidental Death Insurance? Make a payment Change your name or address Ask a question Why Assurity Accidental Death Insurance? Mutual strength For over 130 years, our financial strength has helped people support one another through difficult times. A force for good As a Certified B Corporation, we work toward positive impacts for employees, communities, and the environment. Personal service Get the customer service you need from real, responsive, and efficient people in our Lincoln, Nebraska headquarters. Learn more about how Assurity works for you Assurity also offers accident expense insurance benefits at your work. Your employer may offer Assurity Accident Expense Insurance as part of the benefits you purchase at work. It pays specific benefit amounts for covered accidents—helping to preserve savings or bridge gaps in coverage like copays and deductibles. GET BENEFITS AT WORK These products may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information. Important Disclosure Information About Us About Us Our Products Life Insurance Talk to Us Contact Us Customer Center Agent Center Join our team © 2021 Assurity Group, Inc Privacy & Consumer Notices | Accessibility Statement