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Life Insurance Rider

Family Accidental Death Benefit

In case of tragedy, ensure expenses or time to grieve are covered.
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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.

Quick Answers to Common Questions

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.
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.
No, Fidelity Life recognizes partnerships other than legal marital spouses for eligibility.
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.
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.
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).
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.
In general, a travel benefit for a family ADB rider applies if your spouse or partner or dependent child dies as the result of an injury received while a passenger or in a mode of public transport. Examples of public transport include a railroad, street car, or airplane.
A family accidental death benefit rider can be added to a Fidelity Life Accidental Death Benefit policy.
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.

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.

If you want to speak to an agent about attaching a family accidental death benefit rider to your existing Fidelity Life Accidental Death Benefit policy, please call our Customer Service Representatives Monday thru Friday at 800.369.3990 from 8 a.m. to 5 p.m. Central Time CT.

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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.
Carmen
Carmen
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.
Customer George Otero
George
I want my loved ones taken care of if I pass. Fidelity Life made it fast and easy to get a policy.
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Marissa
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.
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Lisa
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.
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Mearl
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.
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Angelique
I couldn’t believe how fast I got a quote. I didn’t think it was supposed to be that easy and pleasant. I got to talk to a live person who laid everything out and gave me several great choices of affordable policies.
Customer testimonial from Tracy Lynn Goosby
Tracy Lynn

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