Question 1

What is accidental death insurance?

Accepted Answer

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.

Question 2

What is considered accidental death?

Accepted Answer

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.

Question 3

What does accidental death insurance cover?

Accepted Answer

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.

Question 4

What's the difference between an accidental death benefit policy and an accidental death benefit rider?

Accepted Answer

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.

Question 5

What is a life insurance rider?

Accepted Answer

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.

Question 6

What is an accidental death benefit rider?

Accepted Answer

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.

Question 7

Is this rider different from a standalone policy?

Accepted Answer

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

Question 8

Can I add an accidental death benefit rider to any Fidelity Life policy?

Accepted Answer

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

Question 9

Who needs an accidental death benefit rider?

Accepted Answer

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.

Question 10

What are the restrictions on an accidental death benefit?

Accepted Answer

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

Question 11

Can my accidental death benefit rider expire?

Accepted Answer

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.

Question 12

Why should I choose Fidelity Life?

Accepted Answer

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.

Question 13

Will I need a medical exam?

Accepted Answer

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

Question 14

Is everyone approved for an accidental death benefit rider?

Accepted Answer

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.

Question 15

How can I get started?

Accepted Answer

If you are interested in an accidental death benefit rider from Fidelity Life, it can be added to our RAPIDecision® Senior Life Term or RAPIDecision® Senior Whole Life policies.