More than 145,000 people die each year in the U.S. due to unintentional injury, making accidents the fourth-leading cause of death in the United States.1 Accidents happen all the time – and aside from the trauma and grief they cause, they can result in lost income, emergency medical costs and other unforeseen expenses. Accidental Death insurance is coverage you can put in place to help you protect your family’s finances in the event of death from a covered accident. If you are 18 to 69 years old, you are pre-approved. There are no health questions and no physical exam required. You are eligible regardless of health or occupation. No. Accidental Death is designed to cover death caused by accidents. These policies are generally less expensive than life insurance because they are limited in what they cover. For that reason, you may consider Accidental Death insurance in addition to a traditional Term or Whole Life insurance policy. Please note: exclusions may vary by state.Does Accidental Death insurance make sense for me?
Can I be turned down for this insurance?
Does Farmers® Accidental Death Insurance replace my current life insurance?
What causes of death are not covered by Farmers Accidental Death insurance?
1 Center for Disease Control, United States Health Report, 2016, Table 19. 2 LIMRA Barometer Study, 2017.
*In order to receive $1 million in proceeds, you must have $200,000 in base coverage and death must result from a Common Carrier accident. To qualify for the Common Carrier benefit, the accident causing the death must occur when the insured is riding as a fare-paying passenger in or on a licensed public conveyance operated by a common carrier on its regularly scheduled route.
THIS IS AN ACCIDENTAL DEATH ONLY POLICY. NO BENEFITS ARE PAID FOR A DEATH FROM SICKNESS, DISEASE OR NATURAL CAUSES.
Before you apply read the Outline of Coverage which includes Exclusions and Limitations.
ADIM-S 12/19