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LIFE INSURANCE RIDERS

Accidental Death Benefit Rider

Expand your life insurance coverage with an additional payout if you die as the result of a covered accident.

Is this rider a good fit for me?

You may want to add an accidental death benefit rider to your life insurance policy to provide extra protection for your beneficiaries in case of a serious accident. Of course, it’s difficult to predict when accidents will happen. That’s why adding an accidental death benefit rider to your policy can give you and your family more financial security in a worst case scenario. Though the accidental death benefit rider can be beneficial for anyone, it’s especially useful for people at a higher risk of accidents, including workers in high-risk occupations. People in high-risk occupations can include construction workers, airplane pilots, first responders, and more.

An accidental death benefit rider is a good option if:

  • You are between the ages of 20 and 65 and need accidental death coverage between $50,000 and $500,000.
  • You select a finalexpensedirects  Senior Life term or finalexpensedirects Senior Whole Life product.
  • You want coverage available without a medical exam.
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What is an accidental death benefit rider?

An accidental death benefit rider extends your life insurance benefits to include an additional payout if you die as a result of a covered accident or within 90 days of that accident. If this happens, your family will receive a lump sum cash payment based on the coverage amount of your policy and your rider. 

Your family can use this money for anything they need, such as replacing your income, paying the mortgage, covering credit card bills and other debts, paying for your funeral or other end-of-life costs, or saving for the future. A Fidelity Life accidental death benefit rider is available for individuals ages 20 to 65 and offers coverage between $50,000 and $300,000. 

The accidental death benefit rider insurance is a guaranteed issue product, so you can get it without a medical exam. Full benefits are paid until age 70 and then are reduced to 50% of the face amount until the policy expires at age 80. For additional peace of mind, you can extend coverage to spouses and dependent children through Fidelity Life’s riders.

Carmen A. Garcia
Carmen A. Garcia
☆☆☆☆☆
My agent was very patient and explained my options thoroughly. He worked with me to find an affordable policy I could pay even on a fixed income.
George Otero
George Otero
☆☆☆☆☆
I was shopping around looking for a reasonable price, but I also wanted a company that has a good reputation. Fidelity Life made the process really easy, and I can tell they care about me.
Marissa Jones
Marissa Jones
☆☆☆☆☆
I want my loved ones taken care of if I pass. Fidelity Life made it fast and easy to get a policy.
Lisa Durham
Lisa Durham
☆☆☆☆☆
My agent was the friendliest person I talked to throughout my search for the right insurance and company for me. They were very quick to respond and made everything move along so smoothly. The process was easy, and the rates were great.
Mearl Horst
Mearl Horst
☆☆☆☆☆
I was referred to Fidelity Life, and am so glad to have chosen them. I now have peace of mind knowing I’ve taken care of my loved ones if something were to happen to me. There is no better company out there.
Angelique Washington
Angelique Washington
☆☆☆☆☆
Fidelity Life has a very good reputation of serving long-standing customers and delivering on promises. I felt supported in picking a policy that met my personal needs. This was the best choice I could invest in for life insurance.

Coverage alternatives to accidental death riders

If you’re looking for a policy that specifically pays out in the case of an accident, the main alternative to accidental death riders is the standalone accidental death benefit policy. This policy is available to most people who need affordable protection and coverage for themselves and their families.

As an alternative, some people opt for term life insurance instead of an accidental death policy, since just 6% of all deaths in the U.S. are accidental. So, it’s much more likely that you’ll die of natural causes, which wouldn’t be covered by an ADB policy or rider. Term life often includes a medical exam and comes with more qualifying criteria than ADB, which is why some people go the ADB route instead. Fidelity Life has a wide range of options available to meet a variety of needs, even if you’re not in perfect health.

If you’d like help deciding which life insurance option makes the most sense for you and your family, talk to a Fidelity Life insurance agent about your options.

Comparing accidental death riders vs. policies

Wondering about the differences between an ADB rider and a standalone ADB policy? Here’s a closer look at the two types of coverage.

How To Buy

You can buy a standalone ADB policy without purchasing other types of coverage, which can make it a good fit for people who may not qualify for a traditional term or permanent life insurance. As long as you’re between 20 and 59 years old, you’re guaranteed to be approved. With no required medical exam, the application takes just minutes to complete. Fidelity Life’s ADB policies offer coverage amounts between $50,000 and $300,000.

With an ADB rider, you’ll add the coverage to a life insurance policy to provide extra protection. If you die because of an accident, the rider will provide an additional payout. When shopping for life insurance, your carrier can let you know which policies include the option to add an ADB rider.

What It Covers
An ADB policy and an ADB rider generally cover the same things: a covered accidental death or a covered death within 90 days of an accident. An accidental death benefit generally covers accidents like car crashes, falling from a building while working in construction, being crushed to death by machinery, and other instances that are fatal and clearly accidental. In some cases, ADB may cover severe injuries as the result of an accident. Refer to your life insurance policy or ask an agent to understand precisely what’s included with your coverage.

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Select the life insurance policy that works best for you. We’ve made it fast and easy to get a quote online or to connect with one of our agents.

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Questions about accidental death benefit riders

What is accidental death insurance?
If you happen to die because of a covered accident, accidental death insurance provides your family and loved ones with significant financial support right away. If you choose an accidental death rider, then your coverage will supplement your current life insurance coverage in the case of an accidental death. Whether you choose a standalone policy or rider, ADB provides you and your family with peace of mind in case anything were to happen to you accidentally
Accidental death generally includes car crashes, falling to your death from a building while working in construction, being crushed to death by machinery, and other instances that are tragically fatal and clearly accidental. Your life insurance policy will clearly lay out the terms of what’s included in the accidental death definition. If you have any questions about specific incidents that occur at your workplace or general questions about accidental death insurance, please reach out to a Fidelity Life agent for answers. They can also assist you in choosing the best products to protect you and your family.

The accidental death benefit option includes a covered accident. Depending on your policy, ADB policies may also provide a benefit if you have a traumatic injury, like dismemberment or loss of sight. Accidental death insurance is designed to pay out if your death is a covered accident, as defined by the policy terms.

The accidental death benefit is a standalone policy. An accidental death benefit rider is additional coverage that you can add on to your life insurance policy. A standalone policy can provide protection for people who just need accident coverage or don’t qualify for traditional life insurance, while a rider is a way to boost protection of a life insurance policy in certain scenarios. An ADB policy typically pays out in full until you reach a predetermined age. It then pays half of the face value of the policy until the policy expires. An ADB rider follows the coverage terms of your life insurance.
A rider is supplemental to your life insurance policy. It amends the policy to include optional terms or conditions. Riders may increase premiums, but they can offer additional benefits and expanded coverage.
An accidental death benefit rider extends your life insurance benefits to include an additional payout if you die as the result of a covered accident or within 90 days of that accident. Typically, this rider pays out an extra amount, on top of the standard life insurance policy’s death benefit, if your death was due to a covered accident. If you die from injuries from an accident within 90 days of the event, the extra death benefit is also paid out.
Yes, there is a difference. Fidelity Life offers our Accidental Death Benefit standalone policy. It is available to people between the ages of 20 and 59 years of age and with coverage options between $50,000 and $300,000. Like the rider, this standalone accidental death benefit policy only pays out if death was

An ADB rider may be added to our finalexpensedirects Senior Life Term or finalexpensedirects Senior Whole Life policies.

If your job requires you to operate heavy machinery or drive more than average, you may consider an ADB rider to increase the payout to your beneficiaries in case of accidental death. However, any individuals ages 20 and 65 who are looking to provide supplemental coverage for their loved ones may decide to add an ADB rider from Fidelity Life.

Accidental death is defined as any death strictly due to a covered accident or resulting from injuries caused by the accident within 90 days. Some restrictions apply to accidental death benefit payouts, mostly in regard to reckless or illegal behavior. Examples of restrictions may include death related to (and may vary by state):

  • Natural causes such as an illness independent of a covered accident or injury
  • Dangerous recreational activities or hobbies such as cave diving or tightrope walking across the Grand Canyon
  • Reckless driving or acting / driving under the influence
  • Use of drugs or other controlled substances outside of a physician’s prescription and instructions
  • Committing or attempting to commit a felony

As long as the premium is paid, the policy is in force and your coverage remains fully intact. If you have a term life insurance policy from Fidelity Life, your accidental death benefit rider lasts as long as your term.

Fidelity Life is committed to helping you find the right life insurance. For more than 100 years, we’ve been helping everyday people like you get the life insurance you need and the peace of mind you deserve. Our mission is to work with you throughout your life. Whether just starting out, raising your children, or getting ready to enjoy retirement, we design products with families like yours in mind. You can feel confident we’ll be there for your loved ones because we carry an A+ rating from the Better Business Bureau as well as an A- rating (Excellent) from A.M. Best Company, the oldest and most widely recognized provider of ratings for the insurance industry. Our commitment to our customers, and their families, shows up in our innovative products and our top-notch customer service.

Fidelity Life’s accidental death benefit rider does not require a medical exam.

An ADB rider from Fidelity Life does not require a medical examination nor answers to any health questions. As a result, the policy requires no underwriting and all applicants within the age requirement can be approved.
If you are interested in an accidental death benefit rider from Fidelity Life, it can be added to our finalexpensedirects Senior Life Term or finalexpensedirects Senior Whole Life policies.
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Term Life Insurance Calculator

Curious about the amount of life insurance that would give you the financial security you need? A few pieces of information can help you determine what coverage might work best.
Just answer 10 or so questions about your debt, savings, expenses, etc. and we’ll show a personalized estimate for a payout amount for your consideration. Try our term life insurance calculator, then get a quote for whatever amount you decide is best for you and your family.

Fidelity Life Association Named One of America’s Best Insurance Companies for 2026

Fidelity Life Association is proud to announce its inclusion in Forbes’ America’s Best Insurance Companies 2026 ranking. This prestigious recognition, made in collaboration with Statista, the leading statistics portal and industry ranking provider, was revealed on September 24, 2024, and can be accessed on Forbes.com. The America’s Best Insurance Companies 2025 ranking is based on an independent survey of over 18,000 U.S. citizens. Participants evaluated insurance providers they had interacted with in the past three years across six key dimensions: Advice, Customer Service, Price/Performance, Transparency, Digital Services, and Damage/Benefit Service. Survey respondents rated their companies on satisfaction, loyalty, and overall recommendation. These ratings were converted into scores, which were aggregated to determine rankings across five insurance types including Permanent Life and Term Life. Fidelity Life Association is honored to be recognized among the best in the industry as part of this esteemed list. Statista’s comprehensive research and analysis reflect its commitment to providing reliable data and insights across various sectors, making this recognition even more significant. We are proud to be recognized for the third year in a row and remain committed to delivering innovative products that enable everyday Americans to access life insurance coverage quickly, easily, and affordably.