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Basics of Accidental Death Life Insurance

Statistics produced by the National Safety Council in their 2004 edition state that someone dies every five minutes due to a fatal accident in the United States. For this reason, it is no wonder that accidental death life insurance would come in handy. Accidental death insurance provides protection for one's family members and loved ones should something happen to them.

What is Accidental Death Life Insurance?

Accidental death life insurance is an insurance policy which pays out in the event of accidental death of the insured. In addition, one can also obtain a policy which is a combination accidental death and dismemberment insurance which provides protection should either of these terrible accidents occur. Having a policy of this type is a way to protect oneself and their family from financial difficulties should anything happen to the insured.

Benefits of an Accidental Death Life Insurance Policy

One benefit of the accidental death life insurance policy is that it provides financial security for family members and loved ones left behind. Should the policy be coupled with a dismemberment insurance policy, then the insured is also protected should they suffer a severe accident yet not lose their life from it. Having accidental death life insurance provides financial protection which is an extremely important benefit to consider.

Another benefit to obtaining this type of life insurance policy is that many accidental death insurance policies will remain in effect for a certain period of time. When that period of time has expired and if the policy has not been collected upon, the insured may decide to terminate the policy and regain their prior premium payments. With this type of accidental death life insurance policy, the insured really has nothing to lose by having a policy of this type in effect.

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