How Much Is Accidental Life Insurance? 
That is a great question ! Accidental Death insurance is very inexpensive , because like term life policies , they very rarely have to pay out . The best reason to have an accident policy is if you work in a situation where accidents and injuries are common . As an inexpensive addition to your life insurance , if you were to be killed in an accident , your payout would be much larger than what just life insurance would pay . That said , I would n't recommend it in any way as a replacement for a life policy , and I 'd ask you to look very carefully at what the company defines as an `` accident '' . Thanks for asking ! 