Accidental Death Insurance Rates

Accidental death insurance rates are relatively inexpensive, but the verdict is still out on this type of insurance being a wise investment. This coverage is often so inexpensive, customers are eager to sign on the dotted line. After all, who would say no when to pay under ten dollars a month would guarantee a loved one would receive a large sum of money in the event of an untimely death. However, the likelihood of a person dying from a payout qualifying accident is so small that even with agreeable accidental death insurance rates, the investment might be better spend on a something that offers a better chance of return.

This type of coverage is usually given through a credit card company or is offered as an add on to a life insurance policy. The accidental death insurance rate often runs less than $10 a month, and can often be charged to a credit card so it is easy to pay. Consumers can find what their current auto or life insurer would quote by calling the agent. Another way to find quotes is to go online and compare the costs between the current company and new offers. Many companies allow consumers to fill out forms that will generate a quote within minutes. These accidental death insurance rates are free and there is no obligation to purchase a policy simply because the interested party received a free quote. However, most websites will require that consumers give their email address. Most likely, this is because the websites would like to send solicitation and news emails about their services. Otherwise, there is little harm in sharing this information.

Insurers may tempt individuals to purchase AD&D coverage, which stands for Accidental Death and Dismemberment. Those who do get an accidental death insurance rate from an agent or online need to read the fine print of the policy. They need to know the extent of the coverage beyond the accidental death insurance rate. For example, policyholders would only get half of the payout for dismemberment because of losing only one member. Also, some AD&D policies to not view car accidents as accidental death. These are things to consider in the decision making process. Once consumers have all the information, they will be in a position to determine if an AD&D policy is right. We cannot know the future, the most we can do is plan our best. "For he knoweth not that which shall be: for who can tell him when it shall be?" (Ecclesiastes 8:7)

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