Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

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 Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Facts You Should Know

  • Accidental death policies cover severe injuries and deaths
  • You can get accidental death life insurance even if you have health-related issues
  • A regular life insurance policy will cover accidental death

Life insurance quotes are available for people that were in accidents. Companies won’t deny coverage for health-related issues, but they don’t cover all accidents. There are a lot of life insurance companies for people that were in accidents, so it’s not hard to find.

Whether you are looking for a life insurance company that will cover you in the case of accidental death, or you’ve been in an accident and want coverage, you have options.

Before learning about life insurance companies for people that were in accidents, enter your ZIP code to get free life insurance quotes in your area.

What coverage is provided by life insurance companies for people that were in accidents?

If you have a life insurance policy, you know that it doesn’t cover everything. But does life insurance cover accidental death? All life insurance policies cover accidental death. However, there is one type of policy that will cover only death caused by an accident.

Accidental death and dismemberment insurance, also known as AD&D insurance, provides coverage if you suffer an accident. You can receive living benefits for injuries, and your beneficiaries will receive a lump-sum payment if the accident results in death.

This type of coverage covers work-related accidents. Some of the situations it covers are those that involve:

  • Machinery
  • Poisoning
  • Falls
  • Suffocation
  • Choking
  • Drowning
  • Fires

As previously mentioned, these policies cover injuries as well as deaths. Some of these injuries include:

  • Partial or total loss of a body part
  • Paralysis
  • Loss of sight, speech, or hearing

In addition to injuries or death at work, many companies provide coverage while riding fare-paying passenger transportation. These policies cover customers if they suffer an accidental injury in vehicles that include:

  • Bus
  • Train
  • Airplane
  • Ferry
  • Taxi

Companies design these plans for work-related accidents, and these modes of transportation often take employees to and from work.

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Why would you need coverage from life insurance companies for people that were in accidents?

As shown above, AD&D insurance covers a variety of incidents. But is accidental death insurance worth it? The answer depends on your situation.

If you work in a dangerous profession, accidental death insurance will help your family through a difficult time should something happen to you. For example, this coverage could relieve the stress of financial responsibilities.

Those that can obtain traditional coverage, such as term life, whole life, and universal life insurance, might not require accidental death coverage. However, the application process lacks a medical exam, so it’s a good option if you have pre-existing conditions.

As a general rule, having been in a previous accident won’t prevent you from getting regular life insurance. That may differ if the accident caused a potentially terminal condition, such as damage to your heart.

The lack of a medical exam can result in higher rates from life insurance companies for people that were in accidents, but it depends on the company.

What should get accidental death coverage?

Companies won’t deny AD&D coverage for health-related issues. However, you must be between 18 and 80 years old. You also can’t be turned down because of your profession. For this reason, these plans are a good option for those with dangerous jobs, like:

  • Firefighters
  • Police officers
  • Loggers
  • Construction workers

If your job is not dangerous, you’ll likely be fine buying regular life insurance.

So how do you know if this type of coverage is right for you? Five of the most common reasons why someone signs up for accidental death insurance are:

  • Peace of mind – You want to ensure that your family will be protected should something happen to you.
  • No medical exam – Acceptance is automatic, so you don’t have to worry about pre-existing conditions.
  • Additional coverage – You can add this coverage to your traditional life insurance plan.
  • Coverage on a tight budget – This coverage might be cheaper than a long-term policy.
  • Need coverage quickly – You can get acceptance quicker than with traditional life insurance.

As you can see, this type of coverage is a good option for those that have trouble getting traditional plans or have dangerous jobs.

What is not covered by accidental death insurance?

Accidental death insurance covers various accidents, but not everything. Companies also differ on what they consider an accident, which can make policy claims complicated.

To ensure customers understand their policy, companies provide a list of exclusions. These exclusions are situations that result in injury or death but won’t give a payout. In addition to differing by company, exclusions might also depend on the state.

While exclusions differ by company and location, some of the most common include accidents caused by:

  • Illnesses
  • Suicide or self-inflicted injuries
  • Drug overdose
  • Driving under the influence
  • Voluntarily inhaling gas or taking poison
  • Committing a crime
  • War
  • Racing

In most cases, the death must occur within months of the accident to receive a payout. The injury or death also must not be a direct result of an uncovered event. It’s worth noting that regular life insurance has similar exclusions.

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How can you buy life insurance for accidents?

There are multiple ways that you can obtain accidental death or dismemberment coverage. Your options depend on:

  • Your employer
  • If you already have traditional life insurance
  • The company you’re considering

Many employers offer accidental death coverage to employees as a part of their benefits package. These group plans might also cover your spouse or children should they have an accident at home or while visiting your workplace.

If you already have traditional insurance, you can add accidental death coverage as an optional rider for a small fee. However, this choice will increase your quotes from life insurance companies for people that were in accidents.

It’s less common for companies to provide this type of insurance as an individual policy, but some do. Some of the companies that offer accidental death or dismemberment insurance as a separate policy include:

  • AIG Direct
  • Farmers Insurance
  • Mutual of Omaha

The Insurance Information Institute provides some tips on choosing the right life insurance company.

Life Insurance Companies for People That Were in Accidents: The Bottom Line

An unexpected death is already a difficult situation for a family. Accidental death coverage will ensure that your family receives the necessary financial support. Knowing about life insurance companies for people that were in accidents will help you get the best coverage.

Now that you know about life insurance companies for people that were in accidents, enter your ZIP code to find free life insurance rates in your area.