{"id":610,"date":"2019-11-06T15:16:49","date_gmt":"2019-11-06T15:16:49","guid":{"rendered":"http:\/\/localhost:8000\/?page_id=610"},"modified":"2019-11-06T15:16:49","modified_gmt":"2019-11-06T15:16:49","slug":"accidental-death-benefit-rider","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610","title":{"rendered":"Accidental Death Benefit Rider"},"content":{"rendered":"<section class=\"migrated-section row-0\">\n<div class=\"acf-field stream_0_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/12\/ece9e727-adb-mobile.jpg\" alt=\"stream_0_mobile_image\" class=\"migrated-media id-140082\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/ec9ae7bd-adb_rider_header.jpeg\" alt=\"stream_0_desktop_image\" class=\"migrated-media id-648499\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_0_style\">style-blue<\/div>\n<div class=\"acf-field stream_0_title\">Accidental Death Benefit Rider<\/div>\n<p><a href=\"#get-quote\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_0_eyebrow\">LIFE INSURANCE RIDERS<\/div>\n<div class=\"acf-field stream_0_description\">Expand your life insurance coverage with an additional payout if you die as the result of a covered accident.<\/div>\n<div class=\"acf-field stream_0_page\">Default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-1\">\n<div class=\"acf-field stream_1_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_1_style\">info-white<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/09\/security.svg\" alt=\"stream_1_icon\" class=\"migrated-media id-143\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_1_small_icon_holder\">0<\/div>\n<div class=\"acf-field stream_1_title\">Is this rider a good fit for me? <\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-2\">\n<div class=\"acf-field stream_2_circles_theme_generated_in_functions\">content_short<\/div>\n<p class=\"acf-field stream_2_text\">You may want to add an accidental death benefit rider to your life insurance policy to provide extra protection for your beneficiaries in case of a serious accident. Of course, it\u2019s difficult to predict when accidents will happen. That\u2019s why adding an accidental death benefit rider to your policy can give you and your family more financial security in a worst case scenario.<\/p>\n<p>Though the accidental death benefit rider can be beneficial for anyone, it\u2019s especially useful for people at a higher risk of accidents, including <a href=\"\/life-insurance-basics\/life-insurance-101\/life-insurance-for-high-risk-occupations\/\">workers in high-risk occupations<\/a>. People in high-risk occupations can include construction workers, airplane pilots, first responders, and more.<\/p>\n<h2>An accidental death benefit rider is a good option if:<\/h2>\n<ul>\n<li aria-level=\"2\">You are between the ages of 20 and 65 and need accidental death coverage between $50,000 and $500,000.<\/li>\n<li aria-level=\"2\">You select a <b><i>RAPID<\/i><\/b>ecision<sup>\u00ae<\/sup> Senior Life term or <b><i>RAPID<\/i><\/b>ecision<sup>\u00ae<\/sup> Senior Whole Life product.<\/li>\n<li aria-level=\"2\">You want coverage available without a medical exam.<\/li>\n<\/ul>\n<div class=\"acf-field stream_2_remove_padding\">0<\/div>\n<div class=\"acf-field stream_2_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-3\">\n<div class=\"acf-field stream_3_circles_theme_generated_in_functions\">theme_36<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 1 &#8211; Not found in Media XML]<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/bab29391-adb_rider_contentsecimg.jpeg\" alt=\"stream_3_image\" class=\"migrated-media id-648498\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_3_title\">What is an accidental death benefit rider?<\/div>\n<div class=\"acf-field stream_3_description\"><span style=\"font-weight: 400;\">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. If this happens, your family will receive a lump sum cash payment based on the coverage amount of your policy and your rider.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Your family can use this money for anything they need, such as replacing your income, paying the mortgage, covering credit card bills and other debts, paying for your funeral or other end-of-life costs, or saving for the future. A Fidelity Life accidental death benefit rider is available for individuals ages 20 to 65 and offers coverage between $50,000 and $300,000.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The accidental death benefit rider insurance is a <\/span><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"><span style=\"font-weight: 400;\">guaranteed issue product<\/span><\/a><span style=\"font-weight: 400;\">, so you can get it without a medical exam. Full benefits are paid until age 70 and then are reduced to 50% of the face amount until the policy expires at age 80. For additional peace of mind, you can extend coverage to spouses and dependent children through Fidelity Life\u2019s <\/span><a href=\"\/life-insurance\/life-insurance-riders\/\"><span style=\"font-weight: 400;\">riders<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/div>\n<div class=\"acf-field stream_3_style\">promise-grey<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-4\">\n<div class=\"acf-field stream_4_enable\">1<\/div>\n<div class=\"acf-field stream_4_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_4_display_single\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-5\">\n<div class=\"acf-field stream_5_circles_theme_generated_in_functions\">default<\/div>\n<p class=\"acf-field stream_5_text\">\n<h2>Coverage alternatives to accidental death riders<\/h2>\n<p>If you\u2019re looking for a policy that specifically pays out in the case of an accident, the main\u00a0 alternative to accidental death riders is the <a href=\"https:\/\/fidelitylife.com\/life-insurance\/accidental-death-insurance\/\">standalone accidental death benefit policy<\/a>. This policy is available to most people who need affordable protection and coverage for themselves and their family.<\/p>\n<p>As an alternative, some people opt for term life insurance instead of an accidental death policy, <a href=\"https:\/\/fidelitylife.com\/life-insurance\/accidental-death-insurance\/\">s<\/a><a href=\"https:\/\/www.statista.com\/statistics\/248619\/leading-causes-of-death-in-the-us\/\" target=\"_blank\" rel=\"noopener\">ince just 6% of all deaths in the U.S. are accidental.<\/a> So, it\u2019s much more likely that you\u2019ll die of natural causes, which wouldn\u2019t be covered by an ADB policy or rider. Term life often includes a medical exam and comes with more qualifying criteria than ADB, which is why some people go the ADB route instead. Fidelity Life has a wide range of options available to meet a variety of needs, even if you&#8217;re not in perfect health.<\/p>\n<p>If you\u2019d like help deciding which life insurance option makes the most sense for you and your family, talk to a Fidelity Life insurance agent about your options.<\/p>\n<h2>Comparing accidental death riders vs. policies<\/h2>\n<p>Wondering about the differences between an ADB rider and a standalone ADB policy? Here\u2019s a closer look at the two types of coverage.<\/p>\n<h3>How To Buy<\/h3>\n<p>You can buy a standalone ADB policy without purchasing other types of coverage, which can make it a good fit for people who may not qualify for a traditional term or permanent life insurance. As long as you\u2019re between 20 and 59 years old, you\u2019re guaranteed to be approved. With no required medical exam, the application takes just minutes to complete. Fidelity Life\u2019s ADB policies offer coverage amounts between $50,000 and $300,000.<\/p>\n<p>With an ADB rider, you\u2019ll add the coverage to a life insurance policy to provide extra protection. If you die because of an accident, the rider will provide an additional payout. When shopping for life insurance, your carrier can let you know which policies include the option to add an ADB rider.<\/p>\n<h3>What It Covers<\/h3>\n<p>An ADB policy and an ADB rider generally cover the same things: a covered accidental death or a covered death within 90 days of an accident. An accidental death benefit generally covers accidents like car crashes, falling from a building while working in construction, being crushed to death by machinery, and other instances that are fatal and clearly accidental. In some cases, ADB may cover severe injuries as the result of an accident. Refer to your life insurance policy or ask an agent to understand precisely what\u2019s included with your coverage.<\/p>\n<div class=\"acf-field stream_5_remove_padding\">0<\/div>\n<div class=\"acf-field stream_5_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-6\">\n<div class=\"acf-field stream_6_title\">Questions about accidental death benefit riders<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-7\">\n<div class=\"acf-field stream_7_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_7_use_alphabetical_index\">0<\/div>\n<div class=\"migrated-grid repeater-list\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_7_list_0_title\">What is accidental death insurance?<\/div>\n<div class=\"acf-field stream_7_list_0_content\"><span style=\"font-weight: 400;\">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.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_7_list_1_title\">What is considered accidental death?<\/div>\n<div class=\"acf-field stream_7_list_1_content\"><span style=\"font-weight: 400;\">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\u2019s included in the accidental death definition.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_7_list_2_title\">What does accidental death insurance cover?<\/div>\n<div class=\"acf-field stream_7_list_2_content\"><span style=\"font-weight: 400;\">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. <\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_7_list_3_title\">What\u2019s the difference between an accidental death benefit policy and an accidental death benefit rider?<\/div>\n<div class=\"acf-field stream_7_list_3_content\"><span style=\"font-weight: 400;\">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&#8217;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.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_7_list_4_title\">What is a life insurance rider?<\/div>\n<div class=\"acf-field stream_7_list_4_content\"><span style=\"font-weight: 400;\">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.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<div class=\"acf-field stream_7_list_5_title\">What is an accidental death benefit rider?<\/div>\n<div class=\"acf-field stream_7_list_5_content\"><span style=\"font-weight: 400;\">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. <\/span><span style=\"font-weight: 400;\">Typically, this rider pays out an extra amount, on top of the standard life insurance policy\u2019s death benefit, if your death was due to a covered accident.\u00a0 If you die from injuries from an accident within 90 days of the event, the extra death benefit is also paid out.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-6\">\n<div class=\"acf-field stream_7_list_6_title\">Is this rider different from a standalone policy?<\/div>\n<div class=\"acf-field stream_7_list_6_content\"><span style=\"font-weight: 400;\">Yes, there is a difference. Fidelity Life offers our <\/span><a href=\"https:\/\/fidelitylife.com\/life-insurance\/accidental-death-insurance\/\"><span style=\"font-weight: 400;\">Accidental Death Benefit standalone policy<\/span><\/a><span style=\"font-weight: 400;\">. 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Like the rider, this standalone accidental death benefit policy only pays out if death was<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-7\">\n<div class=\"acf-field stream_7_list_7_title\">Can I add an accidental death benefit rider to any Fidelity Life policy?<\/div>\n<div class=\"acf-field stream_7_list_7_content\"><span style=\"font-weight: 400;\">An ADB rider may be added to our <\/span><a href=\"\/life-insurance\/permanent-life-insurance\/rapidecision-senior-whole-life-insurance\/\"><span style=\"font-weight: 400;\">RAPIDecision<sup>\u00ae<\/sup> Senior Life Term<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"><span style=\"font-weight: 400;\">RAPIDecision<sup>\u00ae<\/sup> Senior Whole Life<\/span><\/a><span style=\"font-weight: 400;\"> policies.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-8\">\n<div class=\"acf-field stream_7_list_8_title\">Who needs an accidental death benefit rider?<\/div>\n<div class=\"acf-field stream_7_list_8_content\"><span style=\"font-weight: 400;\">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.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-9\">\n<div class=\"acf-field stream_7_list_9_title\">What are the restrictions on an accidental death benefit?<\/div>\n<div class=\"acf-field stream_7_list_9_content\"><span style=\"font-weight: 400;\">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):<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Natural causes such as an illness independent of a covered accident or injury<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Dangerous recreational activities or hobbies such as cave diving or tightrope walking across the Grand Canyon<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Reckless driving or acting \/ driving under the influence<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Use of drugs or other controlled substances outside of a physician\u2019s prescription and instructions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Committing or attempting to commit a felony<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"migrated-card card-10\">\n<div class=\"acf-field stream_7_list_10_title\">Can my accidental death benefit rider expire?<\/div>\n<div class=\"acf-field stream_7_list_10_content\"><span style=\"font-weight: 400;\">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.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-11\">\n<div class=\"acf-field stream_7_list_11_title\">Why should I choose Fidelity Life?<\/div>\n<div class=\"acf-field stream_7_list_11_content\"><span style=\"font-weight: 400;\">Fidelity Life is committed to helping you find the right life insurance. For more than 100 years, we\u2019ve 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.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can feel confident we\u2019ll 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.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-12\">\n<div class=\"acf-field stream_7_list_12_title\">Will I need a medical exam?<\/div>\n<div class=\"acf-field stream_7_list_12_content\"><span style=\"font-weight: 400;\">Fidelity Life\u2019s accidental death benefit rider does not require a medical exam.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-13\">\n<div class=\"acf-field stream_7_list_13_title\">Is everyone approved for an accidental death benefit rider?<\/div>\n<div class=\"acf-field stream_7_list_13_content\"><span style=\"font-weight: 400;\">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.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-14\">\n<div class=\"acf-field stream_7_list_14_title\">How can I get started?<\/div>\n<div class=\"acf-field stream_7_list_14_content\"><span style=\"font-weight: 400;\">If you are interested in an accidental death benefit rider from Fidelity Life, it can be added to our <\/span><a href=\"\/life-insurance\/permanent-life-insurance\/rapidecision-senior-whole-life-insurance\/\"><span style=\"font-weight: 400;\">RAPIDecision<sup>\u00ae<\/sup> Senior Life Term<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"><span style=\"font-weight: 400;\">RAPIDecision<sup>\u00ae<\/sup> Senior Whole Life<\/span><\/a><span style=\"font-weight: 400;\"> policies.<\/span><\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-8\">\n<div class=\"acf-field stream_8_enable\">1<\/div>\n<div class=\"acf-field stream_8_circles_theme_generated_in_functions\">default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-9\">\n<div class=\"acf-field stream_9_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 1 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/10\/fc5ef15f-image-copy.jpg\" alt=\"stream_9_mobile_image\" class=\"migrated-media id-423\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/144d1061-find_policy.jpg\" alt=\"stream_9_desktop_image\" class=\"migrated-media id-648514\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_9_style\">style-purple<\/div>\n<div class=\"acf-field stream_9_title\">Find a policy that works for you<\/div>\n<p><a href=\"#get-quote\" target=\"\" class=\"acf-link\">Get Quote<\/a><\/p>\n<div class=\"acf-field stream_9_description\">There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/div>\n<div class=\"acf-field stream_9_page\">Default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-10\">\n<div class=\"acf-field stream_10_enable\">1<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-11\">\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/10\/4d2ae549-callin_slider_img.png\" alt=\"stream_11_image\" class=\"migrated-media id-649983\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_11_content\">\n<div class=\"slider-text\">\n<p>A LICENSED AGENT IS AVAILABLE NOW!<\/p>\n<div class=\"slider-navigation-phone slider-phone-text\"><a href=\"tel: 1-844-486-2054\">CALL 1-844-486-2054<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>default [MISSING IMAGE ID: 0 &#8211; Not found in Media XML] style-blue Accidental Death Benefit Rider Get My Quote LIFE INSURANCE RIDERS Expand your life insurance coverage with an additional payout if you die as the result of a covered accident. Default default info-white 0 Is this rider a good fit for me? content_short You [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":620,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-610","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Accidental Death Benefit Life Insurance Rider<\/title>\n<meta name=\"description\" content=\"An accidental death benefit rider can expand your life insurance coverage if you die as the result of a covered accident. Plus, there&#039;s no medical exam needed.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accidental Death Benefit Life Insurance Rider\" \/>\n<meta property=\"og:description\" content=\"An accidental death benefit rider can expand your life insurance coverage if you die as the result of a covered accident. Plus, there&#039;s no medical exam needed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610\" \/>\n<meta property=\"og:site_name\" content=\"Fidelity Life\" \/>\n<meta property=\"og:image\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/12\/ece9e727-adb-mobile.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=610\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=610\",\"name\":\"Accidental Death Benefit Life Insurance Rider\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=610#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=610#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/ece9e727-adb-mobile.jpg\",\"datePublished\":\"2019-11-06T15:16:49+00:00\",\"description\":\"An accidental death benefit rider can expand your life insurance coverage if you die as the result of a covered accident. Plus, there's no medical exam needed.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=610#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=610\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=610#primaryimage\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/ece9e727-adb-mobile.jpg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/ece9e727-adb-mobile.jpg\",\"width\":1200,\"height\":424,\"caption\":\"mom and new baby\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=610#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Accidental Death Benefit Rider\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"name\":\"Fidelity Life\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\",\"name\":\"Fidelity Life\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"width\":824,\"height\":148,\"caption\":\"Fidelity Life\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Accidental Death Benefit Life Insurance Rider","description":"An accidental death benefit rider can expand your life insurance coverage if you die as the result of a covered accident. Plus, there's no medical exam needed.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Accidental Death Benefit Life Insurance Rider","og_description":"An accidental death benefit rider can expand your life insurance coverage if you die as the result of a covered accident. Plus, there's no medical exam needed.","og_url":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610","og_site_name":"Fidelity Life","og_image":[{"url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/12\/ece9e727-adb-mobile.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610","url":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610","name":"Accidental Death Benefit Life Insurance Rider","isPartOf":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610#primaryimage"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610#primaryimage"},"thumbnailUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/12\/ece9e727-adb-mobile.jpg","datePublished":"2019-11-06T15:16:49+00:00","description":"An accidental death benefit rider can expand your life insurance coverage if you die as the result of a covered accident. Plus, there's no medical exam needed.","breadcrumb":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610#primaryimage","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/12\/ece9e727-adb-mobile.jpg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/12\/ece9e727-adb-mobile.jpg","width":1200,"height":424,"caption":"mom and new baby"},{"@type":"BreadcrumbList","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=610#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/staging03.wordpress.fidelitylife.com\/"},{"@type":"ListItem","position":2,"name":"Accidental Death Benefit Rider"}]},{"@type":"WebSite","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","name":"Fidelity Life","description":"","publisher":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/staging03.wordpress.fidelitylife.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization","name":"Fidelity Life","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","width":824,"height":148,"caption":"Fidelity Life"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/pages\/610","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=610"}],"version-history":[{"count":0,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/pages\/610\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/pages\/620"}],"wp:attachment":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=610"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}