Life Insurance Basics
What is an accidental death benefit rider?
An accidental death benefit (ADB) rider pays an additional death benefit if you die as a result of an accident. The ADB is typically equal to the base death benefit (double indemnity). The ADB rider is available for an additional premium.
Key Points
- ADB rider: pays additional death benefit if you die in an accident
- Typically equal to base death benefit (double indemnity)
- Available for an additional premium
- Does not pay for death from illness or natural causes
- An independent agent can help you evaluate ADB riders