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Life Insurance Learning Center - Life Insurance Riders

Accidental Death Rider - Protection Against Accidental Death.

Most life insurance companies offer an accidental death rider, or "double indemnity"; (like the movie!) to any basic life insurance policy. If the insured dies from an accident that occurs prior to the ages of 65, the beneficiary receives a death benefit that is more than what was stated - typically double the face value of the original policy.

The added cost for this life insurance rider is not very high as most deaths do not fit the criteria of an accidental death under this provision. Long health illnesses that result in death are far more common than deaths in automobile or work related accidents. Moreover, an accidental death might not leave a family as financially burdened as a long, drawn out illness.

If you decide to purchase the accidental death rider, make sure that you understand which deaths are covered and which are not. When obtaining a life insurance quote, make sure that the rider is included in your quote application.

To obtain a free life insurance quote from Life Insurance Wiz, just follow the link below.

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