Accident

Accidental Death

Accidents can happen at any time, and having additional coverage in place can make a huge difference for your loved ones.

Death Benefit

$50,000 – $300,000

Underwriting

Guaranteed Issue

Underwritten By

Arch Insurance

Available

29 States

About This Program

Accidental Death coverage offers coverage amounts in multiples of $50,000 — up to $300,000 — and is guaranteed issue, so there's no medical exam or health questions required.

Even if you already have life insurance, this affordable plan may add an extra layer of coverage for accidental deaths, ensuring your family receives additional insurance proceeds to help alleviate financial burdens.

This is accident coverage. The benefit is payable for accidental death resulting from a covered accident. It is designed to add to the life insurance you may already have, not to replace it. The policy contains reductions, limitations, and termination provisions.

Why It Matters

An Extra Layer for Your Family

Accidents can happen at any time, and having additional coverage in place can make a huge difference for your loved ones. Even if you already have life insurance, this affordable plan may add an extra layer of coverage for accidental deaths.

No Medical Exam, No Health Questions

Coverage is guaranteed issue, so there's no medical exam or health questions required. If you've been putting off additional coverage because of the process, this removes that step entirely.

Proceeds When They're Needed Most

The plan is designed to ensure your family receives additional insurance proceeds to help alleviate financial burdens at a time when income and routine both stop without warning.

You Choose the Amount

Coverage is available in multiples of $50,000, up to $300,000, so you can size the benefit to your family's situation rather than taking a single fixed plan.

Benefit Schedule

Accidental Death

$50,000
$100,000
$150,000
$200,000
$250,000
$300,000

Available in $50,000 increments.

Loss of life must occur within 365 days of the accident. Benefit amounts are reduced for a covered person age 65 or older on the date of the accident: 65% at ages 65–69, 45% at 70–74, 30% at 75–79, and 15% at 80 and over.

Why You Need This

Real situations where this coverage does the work

Your Coverage Was Sized Years Ago

You have life insurance through work or on your own, but you took it out before the mortgage, the second child, or the raise in everyone's costs. This plan may add an extra layer of coverage for accidental deaths on top of what you already carry.

Benefit: Accidental Death — $50,000 to $300,000

You've Been Putting Off the Paperwork

Medical exams and health questionnaires are the reason a lot of people start an application and never finish it. This coverage is guaranteed issue, so there's no medical exam or health questions required.

Underwriting: Guaranteed issue

Your Family's Fixed Costs Don't Pause

Rent or a mortgage, tuition, car payments, and everyday bills continue regardless. Additional insurance proceeds are designed to help alleviate those financial burdens for the people who depend on you.

Benefit: Accidental Death — paid to your beneficiaries

You Want to Decide the Amount Yourself

Rather than accepting one fixed figure, you can choose coverage in multiples of $50,000 up to $300,000 and match the benefit to what your household would actually need.

Benefit: $50,000 increments up to $300,000

Want coverage for severe injuries too?

Accidental Death pays a benefit on accidental death only. If you also want protection for loss of limbs, loss of sight, speech or hearing, and paralysis, look at Accidental Death & Severe Injury.

Compare AD & Severe Injury

Plan Highlights

Accidental Death Benefit

$50,000 – $300,000

Underwriting

Guaranteed issue

Underwritten By

Arch Insurance

What's Not Covered

This is a summary. The policy contains the full list of exclusions and limitations.

Losses sustained while on the job in certain industries, including construction trades, trucking, agriculture, and delivery or rideshare platform driving

Illness, disease, and infection, including medical or surgical treatment of them

Repetitive motion injuries, which are excluded from the definition of Accidental Bodily Injury

Extreme sports and hazardous activities, including rock climbing, whitewater rafting, motocross, skydiving, and scuba diving below 25 feet

Losses involving narcotics or controlled substances not prescribed by a Physician

Suicide, attempted suicide, or intentionally self-inflicted injury

Committing or attempting to commit a felony

Professional and NCAA collegiate sporting activity

Aircraft losses as described in the policy, military service, war, and insurrection

Frequently Asked Questions

What is Accidental Death coverage?

It pays a benefit to your beneficiaries if you die as the result of a covered accident. It is designed to add an extra layer of coverage on top of any life insurance you already have.

Do I need a medical exam to qualify?

No. Coverage is guaranteed issue, so there's no medical exam or health questions required.

What benefit amounts are available?

Coverage is available in multiples of $50,000, from $50,000 up to $300,000.

Is there an age limit?

Coverage ends when the policyholder reaches age 65. For a covered person age 65 or older on the date of an accident, the benefit amount is reduced on a schedule: 65% at ages 65–69, 45% at 70–74, 30% at 75–79, and 15% at 80 and over. All covered persons must be U.S. residents and maintain a primary residence in the United States.

Is there a time limit on when the loss has to occur?

Yes. Loss of life must occur within 365 days of the accident. The policy also covers exposure and disappearance: if a covered person is presumed dead following a covered accident and the body is not found within one year, that is treated as a covered loss.

Does it cover losses that happen while I'm working?

Not in every occupation. The policy excludes losses sustained while on the job in certain industries, including construction trades, trucking, agriculture, and delivery or rideshare platform driving. This applies whether you are an employee, an independent contractor, or self-employed. Check the full exclusions in the policy before you buy.

Can I have this if I already have life insurance?

Yes. Even if you already have life insurance, this affordable plan may add an extra layer of coverage for accidental deaths, ensuring your family receives additional insurance proceeds to help alleviate financial burdens.

How is this different from Accidental Death & Severe Injury?

Accidental Death pays a benefit on accidental death only. Accidental Death & Severe Injury adds protection for loss of limbs, loss of sight, speech or hearing, and paralysis, with those benefits paid as a percentage of the accidental death benefit amount.

Who underwrites this coverage?

Coverage is underwritten by Arch Insurance Company, NAIC #11150, a member company of Arch Insurance Group Inc. Not all coverages are available in all jurisdictions.

Add an extra layer of protection for your loved ones.

Notice: Insurance coverage described is underwritten by Arch Insurance Company, NAIC #11150, a member company of Arch Insurance Group Inc. The policy contains reductions, limitations, and termination provisions. Loss of life must occur within 365 days of the accident. Benefit amounts are reduced for a covered person age 65 or older on the date of the accident, and coverage terminates when the policyholder reaches age 65. All covered persons must be U.S. residents maintaining a primary residence in the United States. The "What's Not Covered" summary above is not a complete list of exclusions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.