Accidental Death Insurance: 2025 Guide & Quotes

Accidents happen unexpectedly, and while nobody likes to dwell on the possibility, being prepared can provide crucial financial protection for your loved ones. Accidental Death & Dismemberment (AD&D) insurance is a specific type of coverage designed to pay out a benefit if you die or suffer a severe, life-altering injury due to a covered accident. Understanding how it works, who it’s for, and how it differs from traditional life insurance is key to making informed decisions about your financial safety net.

Navigating the world of insurance can feel overwhelming. Policies have specific definitions, exclusions, and benefit structures that vary significantly from one company to the next. This is especially true for specialized products like accidental death life insurance. That’s where having a knowledgeable guide can make all the difference. At Insurance By Heroes, founded by a former first responder and military spouse, our team understands the importance of reliable protection. We leverage our experience, often drawing from backgrounds in public service, to help you find the right coverage. As an independent agency, we aren’t tied to a single carrier. Instead, we work with dozens of top insurance companies, allowing us to shop the market and compare accidental death life insurance quotes to find a policy tailored specifically to your needs and budget.

What is Accidental Death & Dismemberment (AD&D) Insurance?

Accidental Death & Dismemberment insurance, often shortened to AD&D, provides a financial benefit if the insured person dies as a direct result of a covered accident, or if they suffer a specific, severe injury (dismemberment) due to an accident. It’s distinct from standard life insurance policies (like term or whole life) which typically cover death from most causes, including illness.

Think of AD&D insurance in two parts:

• Accidental Death Benefit: This is the primary component. If the insured dies due to injuries sustained in a covered accident (e.g., car crash, fall, fire, drowning), the policy pays out the full benefit amount (known as the principal sum) to the designated beneficiaries. The death usually must occur within a specific timeframe following the accident (often 90 days to a year, depending on the policy) and be directly and solely attributable to the accident.
• Dismemberment Benefit: This part provides compensation if the insured survives an accident but suffers a qualifying severe injury. These injuries typically include the loss of a limb (hand, foot, arm, leg), sight in one or both eyes, hearing, or speech. The amount paid for dismemberment is usually a percentage of the principal sum, outlined in a “schedule of benefits” within the policy. For example, losing one hand might pay out 50% of the principal sum, while losing sight in both eyes might pay out 100%. Not all AD&D policies include dismemberment coverage, some are “Accidental Death Only”.

It’s crucial to understand that AD&D is generally considered supplementary coverage. It does not replace the comprehensive protection offered by traditional life insurance. Because its coverage is limited to accidental causes, it often comes with lower premiums compared to term or whole life policies of the same face amount. However, relying solely on an accidental death policy leaves significant gaps, as death due to illness (like cancer, heart disease, or infections) is not covered. This is a key reason why working with an agency like Insurance By Heroes is valuable – we help you understand these distinctions and assess your overall insurance needs, drawing from multiple carriers to find the best combination of coverage, including competitive accidental death life insurance rates.

How Does Accidental Death Insurance Work?

The mechanics of an accidental death policy are relatively straightforward, but the details matter significantly.

Activation and Premiums: Once you apply for and are approved for an AD&D policy, your coverage begins after you pay the first premium. Premiums are typically paid monthly, quarterly, or annually. Because underwriting is often less stringent than for traditional life insurance (sometimes with no medical exam required), approval can be quicker.

Covered Events: Policies define what constitutes a “covered accident.” Common examples include:

• Motor vehicle accidents (as a driver, passenger, or pedestrian)
• Falls
• Accidental drowning
• Fires and burns
• Workplace accidents (depending on occupation and policy specifics)
• Choking
• Exposure to the elements
• Accidental poisoning (though often with specific exclusions)

Exclusions – What Isn’t Covered: This is perhaps the most critical part of understanding any AD&D policy. Exclusions vary between insurers, highlighting why comparing options through an independent agency like Insurance By Heroes is so important. Common exclusions typically include death or injury resulting from:

• Illness or disease (e.g., heart attack, stroke, cancer, infections)
• Suicide or intentionally self-inflicted injury
• Acts of war (declared or undeclared)
• Military service in armed forces
• Committing or attempting to commit a felony
• Operating a vehicle while intoxicated (above the legal blood alcohol limit) or under the influence of non-prescribed narcotics
• Engaging in high-risk activities or hobbies (e.g., skydiving, auto racing, scuba diving – these may sometimes be covered by rider or excluded entirely)
• Travel in specific types of aircraft (e.g., non-commercial flights, experimental aircraft)
• Complications from medical or surgical treatment (unless the treatment was necessary due to a covered accident)
• Hernia (unless caused by a covered accident)
• Bacterial infections (unless contracted through an accidental cut or wound)

Reading the policy document carefully to understand all exclusions is essential.

Beneficiaries: Like traditional life insurance, you designate one or more beneficiaries who will receive the payout if you die from a covered accident. It’s vital to keep beneficiary designations up-to-date.

Claims Process: In the event of a covered accidental death, the beneficiary must file a claim with the insurance company. This typically involves providing a death certificate and documentation proving the death was accidental (e.g., police report, autopsy report, coroner’s report). For dismemberment claims, medical records detailing the injury and its cause are required. The insurance company will review the claim against the policy terms and exclusions before paying the benefit.

Because the definitions and exclusions can differ substantially across policies, relying on a single carrier might mean missing out on coverage better suited to your lifestyle or occupation. Insurance By Heroes helps clients navigate these differences by comparing accidental death policy options from numerous providers.

Who Needs Accidental Death Life Insurance?

While traditional life insurance is recommended for almost anyone with dependents or financial obligations, AD&D insurance can be particularly beneficial for certain individuals or as a specific type of supplement.

• Individuals in Higher-Risk Occupations: People working in jobs with a higher likelihood of accidents might find AD&D provides valuable extra protection. This can include construction workers, truck drivers, pilots, law enforcement officers, and firefighters. The team at Insurance By Heroes, with its roots in first responder and public service communities, has a deep understanding of these risks and can help find appropriate coverage options from various carriers.
• Those Seeking Supplemental Coverage: AD&D can boost overall death benefit protection at a relatively low cost, specifically for accidental causes. If your budget for traditional life insurance is limited, adding an AD&D policy or rider can provide an extra layer of financial security for your family against unforeseen accidents.
• People with Young Dependents: Accidents are a leading cause of death for younger adults. An AD&D policy can offer affordable peace of mind for parents concerned about providing for their children if the unthinkable happens due to an accident.
• Frequent Travelers: Some AD&D policies offer enhanced benefits (“common carrier” benefits) if death occurs while traveling as a fare-paying passenger on public transportation like planes, trains, or buses.
• Individuals Who May Struggle to Qualify for Traditional Life Insurance: Because AD&D underwriting often focuses less on health history and more on age and occupation, it can sometimes be easier to obtain than medically underwritten life insurance for individuals with certain pre-existing health conditions. However, it’s crucial to remember it only covers accidental death, not death from those underlying health conditions. This is another area where Insurance By Heroes can assist – exploring all available options across multiple insurers to find the best possible fit, whether it’s traditional life, AD&D, or a combination.
• As an Employee Benefit Rider: Many employers offer group AD&D insurance as part of their benefits package, often at very low or no cost to the employee. While convenient, these employer-sponsored plans might offer lower coverage amounts and the coverage typically ends if you leave the job. It’s often wise to supplement group coverage with a personal accidental death policy.

It’s important to reiterate: AD&D insurance should rarely be considered a standalone replacement for comprehensive life insurance. It addresses a specific risk – accidental death or injury. Assessing your overall financial protection needs requires looking at the bigger picture, something an independent agent is well-equipped to help you do by providing diverse accidental death life insurance quotes and traditional life options.

AD&D vs. Traditional Life Insurance: Key Differences

Understanding the fundamental differences between Accidental Death & Dismemberment insurance and traditional life insurance (Term and Whole Life) is vital for building an effective financial safety net. They serve different purposes and cover different risks.

Here’s a breakdown of the main distinctions:

• Scope of Coverage:
  • AD&D Insurance: Covers only death resulting directly from a covered accident. It also provides benefits for specific severe injuries (dismemberment) if included in the policy. It explicitly excludes death from natural causes, illness, suicide, and other non-accidental events listed in the policy exclusions.
  • Traditional Life Insurance (Term/Whole): Covers death from almost any cause, including illness (like cancer, heart disease), natural causes, and accidents. The main exclusions are typically suicide within the first two years of the policy (the contestability period) and sometimes death resulting from war or hazardous activities specified in the policy.
• Purpose:
  • AD&D Insurance: Primarily designed as a supplement to traditional life insurance, providing extra financial protection specifically against the risk of accidental death or severe injury. It addresses a narrower range of potential causes of death.
  • Traditional Life Insurance: Designed to provide broad financial protection for beneficiaries upon the insured’s death, regardless of whether the cause was an accident or illness. It helps replace lost income, cover final expenses, pay off debts, fund education, etc.
• Cost and Premiums:
  • AD&D Insurance: Generally less expensive than traditional life insurance for the same face amount because the range of covered events is much smaller. The statistical probability of dying from an accident is lower than dying from illness, especially as people age. Accidental death life insurance rates are often quite affordable.
  • Traditional Life Insurance: Premiums are typically higher because the coverage is much broader, encompassing death by illness which becomes statistically more likely with age. Premiums are heavily influenced by age, health, lifestyle, and the type (term/whole) and amount of coverage.
• Underwriting Process:
  • AD&D Insurance: Often involves simplified underwriting. Many policies require only basic information (age, occupation) and may not require a medical exam or extensive health questionnaire. This can lead to faster approval.
  • Traditional Life Insurance: Usually involves more comprehensive underwriting, especially for higher coverage amounts. This typically includes detailed health questionnaires, medical exams, blood/urine samples, and checks of medical records (MIB), driving records, and prescription history. The process takes longer.
• Cash Value Component:
  • AD&D Insurance: Typically does not build cash value. It’s pure protection, similar to term life insurance in this regard.
  • Traditional Life Insurance: Term life insurance generally does not build cash value. Whole life insurance (and other permanent policies like Universal Life) includes a cash value component that grows over time on a tax-deferred basis, which can be borrowed against or withdrawn.

Because these products are so different, relying solely on AD&D can leave your family vulnerable if you pass away from an illness. Conversely, adding an AD&D policy or rider can significantly enhance your coverage against accidents at a modest cost. Insurance By Heroes plays a critical role here. As an independent agency founded by individuals familiar with risk (first responders, military families), we understand the nuances. We don’t just offer one solution; we analyze your situation and leverage our access to dozens of carriers to present options – comparing accidental death life insurance quotes alongside traditional life quotes – ensuring you get a well-rounded protection plan tailored to your unique circumstances and budget.

Understanding Accidental Death Life Insurance Rates & Quotes

When you start looking for accidental death life insurance quotes, you’ll find that premiums can vary. Several factors influence the final cost, or the accidental death life insurance rates you’ll be offered.

Key Factors Influencing AD&D Rates:

• Coverage Amount (Principal Sum): This is the most significant factor. The higher the benefit amount you want the policy to pay out, the higher the premium will be. Coverage amounts can range from tens of thousands to millions of dollars.
• Age: While underwriting is simpler than traditional life insurance, age still plays a role. Younger individuals generally pay lower premiums than older individuals, as the statistical risk of accidental death changes with age.
• Occupation: Your job can significantly impact your rate. Individuals in occupations deemed higher risk (e.g., construction, logging, law enforcement, piloting) will typically pay higher premiums than those in lower-risk office jobs due to increased exposure to potential accidents. Insurers have detailed occupational classifications.
• Policy Type (Individual vs. Group): Group AD&D plans offered through employers are often cheaper (or free) but may offer lower coverage limits and aren’t portable if you leave the job. Individual policies offer more flexibility, higher potential coverage amounts, and portability, but usually cost more.
• Riders and Additional Benefits: Adding optional riders (like return of premium, enhanced common carrier benefits, or specific injury riders) will increase the premium.
• Gender:** Historically, gender has been a rating factor in some insurance types, though its use is evolving and may vary by state and company.
• Health (Limited Impact):** While AD&D doesn’t typically involve deep medical underwriting, some applications might ask basic health questions or exclude coverage for accidents directly caused by a pre-existing condition (e.g., fainting due to a known heart condition leading to a fall). However, it’s generally much less of a factor than in traditional life insurance.

How Accidental Death Life Insurance Quotes Work:

You can obtain accidental death insurance quotes in several ways:

• Directly from Insurance Companies: You can contact individual insurers or visit their websites. This requires repeating the process for each company you want to compare.
• Online Comparison Websites: These sites provide quotes from multiple carriers but may not offer personalized advice or explain policy nuances.
• Through an Independent Insurance Agent/Agency: This is where Insurance By Heroes excels. An independent agent represents multiple insurance companies. They gather your information once and then shop the market on your behalf, obtaining accidental death life insurance quotes from various carriers. This saves you time and provides access to a wider range of options. Crucially, an agent can also help you understand the differences between the quotes – it’s not just about price, but also about the specific definitions, exclusions, and benefit triggers in each accidental death policy.

Why is comparing quotes essential? Because each insurance company assesses risk differently. One company might charge significantly higher rates for a particular occupation, while another might be more competitive. One might have broader definitions of covered accidents, while another has more exclusions. Simply choosing the cheapest accidental death life insurance quote without understanding the underlying policy can lead to disappointment at claim time. Insurance By Heroes ensures you see the full picture, comparing rates and coverage details from dozens of providers to find the true best value for your situation.

Getting Accidental Death Insurance Quotes Online

The internet has made getting insurance quotes faster and more convenient than ever. You can often get preliminary accidental death insurance quotes online within minutes. However, it’s important to understand the pros and cons of relying solely on online tools versus incorporating expert guidance.

Pros of Getting Accidental Death Insurance Quotes Online:

• Speed and Convenience: You can request quotes anytime, anywhere, without needing to schedule appointments. Initial estimates are often generated quickly.
• Easy Comparison (Superficial): Online platforms can present quotes from several carriers side-by-side, making basic price comparison easy.
• Anonymity (Initial Stages): You can often explore options and get ballpark figures without immediately speaking to an agent.

Cons of Relying Solely on Online Quotes:

• Lack of Personalization: Online forms capture basic data but can’t understand your unique life circumstances, risk tolerance, or specific concerns the way a human agent can.
• Oversimplification: Quotes displayed online often focus heavily on price (the accidental death life insurance rates) without adequately highlighting crucial differences in policy terms, definitions, exclusions, and claim procedures. The cheapest policy isn’t always the best fit.
• No Expert Guidance: You’re left to interpret complex insurance jargon and policy details on your own. Misunderstanding a key exclusion could lead to an uncovered claim later.
• Potential for Inaccurate Quotes: Initial online quotes are estimates based on the limited information provided. Final rates after underwriting (even simplified underwriting) might differ.
• Limited Carrier Access: Many online quote engines only partner with a subset of available insurance companies. You might miss out on better options from carriers not included in their system.

The Insurance By Heroes Approach: Combining Convenience with Expertise

At Insurance By Heroes, we believe in offering the best of both worlds. You can start the process conveniently through our website, using tools to get initial accidental death insurance quotes online. However, we don’t stop there. Our process includes:

• Access to Dozens of Carriers: We work with a vast network of top-rated insurance companies, far more than most online-only platforms. This means more options and a better chance of finding the perfect accidental death policy for you.
• Personalized Needs Assessment: Our experienced team members, many with backgrounds serving communities like yours, take the time to understand your specific situation, concerns, and budget. We don’t just process a form; we provide tailored advice.
• Policy Explanation: We help you understand the quotes you receive – explaining the fine print, comparing the critical differences between policies beyond just the premium, and ensuring you know exactly what you’re buying.
• Shopping the Market: We actively compare accidental death life insurance rates and policy features across our network of carriers to find the most competitive and suitable coverage.
• Ongoing Support: Our relationship doesn’t end when you buy the policy. We’re here to answer questions and assist with policy service needs down the road.

Getting accidental death quotes online is a good starting point, but partnering with an independent agency like Insurance By Heroes ensures you make a truly informed decision, securing protection that aligns with your needs, backed by professionals who understand the value of service and reliability.

Decoding the Accidental Death Policy Document

Once you’ve received quotes and chosen an accidental death policy, you’ll receive the official policy document. This is a legal contract between you and the insurance company, and while it might seem dense, understanding its key components is crucial. Don’t just file it away – take the time to review it.

Key Sections to Understand:

• Declarations Page: This is usually the first page and summarizes the essential details: your name (the insured), the policy number, the coverage amount (principal sum), the premium amount and frequency, the policy effective date, and the named beneficiaries. Verify all this information is correct.
• Definitions Section: This part defines critical terms used throughout the policy, such as “accident,” “injury,” “loss,” “covered person,” and specific types of losses (like “loss of limb” or “loss of sight”). The precise wording here determines what is and isn’t covered. Pay close attention to how “accident” is defined – it often specifies that the event must be sudden, unforeseen, and external.
• Coverage Details / Insuring Agreement: This section outlines what the policy promises to do – i.e., pay the benefit upon proof of a covered accidental death or dismemberment occurring while the policy is in force. It details the conditions under which payment will be made.
• Schedule of Losses / Benefit Schedule (for Dismemberment): If the policy includes dismemberment coverage, this schedule lists the specific injuries covered (e.g., loss of one hand, loss of sight in both eyes) and the corresponding percentage of the principal sum that will be paid for each specific loss.
• Exclusions Section: As discussed earlier, this is a vital section. It clearly lists the circumstances, conditions, or causes of death or injury that are *not* covered by the policy (e.g., suicide, illness, war, high-risk activities, intoxication). Read this carefully to understand the policy’s limitations. Variations in exclusions are a major reason why comparing policies from different carriers via an agency like Insurance By Heroes is so important.
• Claim Provisions: This section explains the process for filing a claim, including the timeframe for notifying the insurance company (notice of claim), the requirement for submitting proof of loss (e.g., death certificate, medical reports), and the timeframe within which the insurer must pay a valid claim.
• General Provisions: Contains standard legal clauses regarding the entire contract, grace periods for premium payments, reinstatement options if the policy lapses, how beneficiary changes are made, and conformity with state laws.

The Importance of Reading the Fine Print:

Insurance policies are detailed for a reason. The specific wording determines coverage. What one company considers a covered “accident” might be excluded by another, especially regarding contributing factors like pre-existing conditions or specific activities. Relying on assumptions or marketing materials alone is risky.

This is another area where working with Insurance By Heroes adds significant value. Our agents are experienced in reviewing policy documents. We can help you understand the terms and conditions of the accidental death policy *before* you finalize the purchase. We ensure the policy you choose from the various options we present truly aligns with your understanding and expectations, helping you avoid potential coverage gaps or surprises later. We believe an informed client is a protected client.

Common Misconceptions about AD&D Insurance

Accidental Death & Dismemberment insurance is frequently misunderstood. Clearing up these common misconceptions is essential for making sound financial planning decisions.

Myth 1: AD&D insurance covers death from any cause.

Fact: This is the most critical misunderstanding. AD&D insurance *only* covers death that occurs as a direct result of a covered accident, as defined in the policy. It explicitly *excludes* death due to illness, disease, natural causes, suicide, and other non-accidental events listed in the exclusions. Statistics show that most deaths, especially as people age, are due to illness, not accidents. This is why AD&D is a supplement, not a replacement, for traditional life insurance.

Myth 2: AD&D is a complete substitute for traditional life insurance.

Fact: Because AD&D coverage is limited to accidental causes, it leaves a significant gap in protection. If you were to pass away from cancer, a heart attack, stroke, or complications from diabetes, an AD&D policy would pay nothing. Traditional life insurance (term or whole life) provides much broader coverage for death due to illness or natural causes, offering more comprehensive financial security for your beneficiaries. Think of AD&D as an *additional* layer of protection, not the foundation.

Myth 3: All AD&D policies are essentially the same.

Fact: While the basic concept is similar, AD&D policies vary significantly between insurance carriers. Key differences can include:

• The precise definition of “accident.”
• The list of exclusions (e.g., hazardous activities, intoxication levels).
• The timeframe between the accident and death for the benefit to be paid (e.g., 90 days vs. 365 days).
• The specific injuries covered under the dismemberment benefit and the payout percentages.
• Optional riders and additional features available.
• Accidental death life insurance rates and how different factors (like occupation) are weighted.

This variability is precisely why shopping the market is crucial. An independent agency like Insurance By Heroes, which isn’t captive to one company, can compare these nuances across dozens of carriers to find the accidental death policy that offers the best combination of coverage features and price for your specific needs.

Myth 4: If I have health insurance, I don’t need the dismemberment part of AD&D.

Fact: Health insurance pays for medical treatments (doctor visits, hospital stays, surgeries, rehabilitation). The dismemberment benefit from an AD&D policy provides a lump-sum cash payment directly to *you* if you suffer a qualifying severe injury (like losing a limb or sight). This cash can be used for *any* purpose – modifying your home or vehicle for accessibility, covering lost income during recovery and adjustment, paying for long-term care needs not covered by health insurance, or simply managing day-to-day expenses. It serves a different financial purpose than health insurance.

Myth 5: Getting AD&D is always easy and requires no health information.

Fact: While underwriting is generally much simpler than traditional life insurance, some AD&D applications may ask basic health questions or have exclusions related to pre-existing conditions contributing to an accident. Guaranteed issue AD&D exists, often through group plans or direct mail offers, but these might have lower coverage limits or more restrictive terms. Don’t assume universal acceptance without checking the specific policy application and terms.

Understanding these facts helps you place AD&D insurance in its proper context within your overall financial plan. It’s a valuable tool for specific risks, but not a catch-all solution.

The Insurance By Heroes Difference: Service, Trust, and Choice

Choosing the right insurance isn’t just about finding the lowest price; it’s about securing reliable protection and working with people you can trust. At Insurance By Heroes, our approach is built on a foundation of service, understanding, and dedication to our clients’ needs – principles deeply ingrained in our origins.

Our agency was founded by a former first responder and military spouse. This background isn’t just a story; it’s central to how we operate. We, and many members of our team who also come from public service backgrounds (like law enforcement, firefighting, EMS, military families, and education), understand firsthand the risks people face daily and the critical importance of having dependable support systems in place. We’ve seen the difference that proper planning and protection can make when the unexpected occurs.

This perspective shapes our commitment to you:

• Understanding Your World: We relate to the concerns of families, professionals, and especially those in service-oriented roles. We speak your language and appreciate the unique challenges and risks you might encounter.
• Independence Means Choice: Insurance By Heroes is an independent agency. This is crucial. We are not beholden to any single insurance company. Instead, we partner with dozens of the nation’s top-rated carriers. This allows us to objectively shop the market for you. When you need accidental death life insurance quotes, we don’t just give you one option; we compare rates, policy features, and company strengths across multiple providers.
• Tailored Solutions, Not Cookie-Cutter Policies: We know that insurance is not one-size-fits-all. Your needs, budget, occupation, and family situation are unique. Our goal is to listen, understand your requirements, and then leverage our extensive carrier network to find an accidental death policy (or a combination of policies) that provides the right fit. We explain the options clearly, empowering you to make an informed decision.
• Focus on Value, Not Just Price: While finding competitive accidental death life insurance rates is important, we also focus on the quality of the coverage. We help you understand the definitions, exclusions, and benefits schedules so you know exactly what protection you are purchasing. The cheapest policy isn’t helpful if it doesn’t cover what you need it to.
• Building Trust Through Transparency: We believe in clear communication and honest advice. We’ll explain the pros and cons of different options, including why AD&D is often best used as a supplement rather than a standalone policy. Our aim is to be your trusted advisor for insurance needs.

When you work with Insurance By Heroes, you’re not just buying a policy; you’re partnering with a team that values service, understands risk, and is dedicated to finding the best possible protection for you and your loved ones by diligently searching the market.

Take the Next Step: Secure Your Peace of Mind Today

Understanding accidental death & dismemberment insurance is the first step toward ensuring you have the right protection in place for life’s unexpected events. We’ve explored what AD&D covers, how it differs from traditional life insurance, who might benefit most from it, and the importance of carefully reviewing policy details and exclusions.

Remember, AD&D insurance provides valuable, specific protection against accidental death or serious injury, often at an affordable cost. However, it’s typically best viewed as a supplement to, not a replacement for, comprehensive life insurance that covers death from illness as well.

The insurance landscape can be complex, with significant variations between policies and carriers. Definitions, exclusions, and accidental death life insurance rates can differ substantially. Navigating this effectively requires more than just clicking through an online form; it requires personalized guidance from experienced professionals who prioritize your needs.

At Insurance By Heroes, we combine the convenience of modern technology with the personalized service that comes from a team grounded in public service values. As an independent agency founded by a former first responder and military spouse, we leverage our access to dozens of top insurance carriers to shop the market specifically for you. We compare accidental death life insurance quotes and policy features to find coverage tailored to your unique situation and budget.

Don’t leave your family’s financial security to chance or settle for a one-size-fits-all policy. Let Insurance By Heroes help you navigate your options and find the protection that truly fits.

Ready to explore your options? Take the first step now. Fill out the quote request form on this page to get personalized accidental death insurance quotes online from Insurance By Heroes. Our team is ready to help you compare options from multiple top carriers and find the right coverage at a competitive rate. Secure your peace of mind today!