LIFE INSURANCE RIDER
Family Accidental Death Benefit
Is this rider a good fit for me? A family accidental death benefit rider is a good option if:
- You want additional coverage for your spouse or child(ren).
- You have unmarried children under the age of 23 you’d like to insure.
- You have a Fidelity Life Insurance Accidental Death Benefit policy and want additional protections.
What is a family accidental death benefit rider?
A family accidental death benefit rider can be used to extend a standalone Fidelity Life accidental death benefit (ADB) policy to your spouse or partner and dependent child(ren).
A Fidelity Life Family Accidental Death Benefit rider also provides additional protections, including an auto safety benefit and college fund benefit.
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Quick Answers to Common Questions
What is a life insurance rider?
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.
What benefits does the family ADB rider add?
A family accidental death benefit rider goes beyond the standard accidental death benefit. This rider provides for special circumstances and offers additional benefits if your spouse or partner or dependent child(ren) die in an accident.
Do I need to be legally married to have a spouse covered?
No, Fidelity Life recognizes partnerships other than legal marital spouses for eligibility.
What is a spouse and dependent child benefit?
This benefit is designed to provide additional payouts to a designated beneficiary if your spouse or partner or child(ren) were to die in an accident. The benefit is based on a set percentage of the base ADB policy included in your family ADB rider.
What is an auto safety benefit?
In general, if your spouse’s or partner’s or children’s accidental death occurs while they are riding as a passenger in a private passenger vehicle, the spouse or partner and/or dependent children’s benefit increases by a set amount. To be in effect, it must be determined that seat belts were being worn by your covered family members at the time of the accident.
What is a spouse double tragedy?
In general, if you and your spouse or partner both die due to a single accident or multiple accidents that occur within a set time period, the base spouse benefit  is increased to 100% of the base policy’s benefit (for the primary insured).
What is a college fund benefit?
In general, a college fund benefit provides an additional benefit for each dependent child aged 15-22 during the time they may be preparing for or enrolled in college.
What is a travel benefit?
Can I add a family accidental death benefit rider to any Fidelity Life policy?
Do I need or does anyone in my family need a medical exam for a family accidental death benefit rider?
With a Fidelity Life ADB rider, you don’t have to subject your family to a medical examination to obtain a a family accidental death benefit rider. You may be asked a few basic medical and lifestyle questions on the rider application form.
Why should I choose Fidelity Life?
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.
How can I get started?
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.
