What is accidental death insurance?

Learn more about why accidental death insurance could be a good fit for you. Rates start as low as $8 a month* and coverage is guaranteed.

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Accidental death overview
What is accidental death?

An insurance policy that pays out a cash benefit if the insured dies in a covered accident. This type of coverage is guaranteed and can provide financial support for your loved ones after your death.

Why should I consider accidental death coverage?

Accidental death coverage is a great option for you if:

  • You’re looking for an easy application process with no medical exam or health questions
  • You’re looking for supplemental coverage to your life insurance policy
  • Previously have not qualified for a life insurance policy but want some insurance in case of accident
  • You have a high-risk hobby or occupation
How much coverage could I get?

At Ethos, we offer accidental death coverage that starts at $50,000 and goes up to $500,000. You can increase your policy amount in increments of $1,000. Your monthly premium will be determined by your age, gender, and selected coverage amount. The moment you sign your policy, your rate is locked in and won't change as long as you continue to pay your monthly premium.

When deciding on your coverage amount, consider your savings, mortgage, and other debts that could be passed on to your loved ones in the event of your death.

Cost of accidental death insurance by age

Accidental death policies are available at Ethos for customers aged 18-70 for coverage up to $500,000. The premium you pay is tied to the coverage amount you choose; the more coverage, the higher the premium. Choose coverage that best fits your needs in increments of $1000.

accidental death insurance price chart
Note: Rates above are based on males and females aged 18-50 years old. Rates for ages 51-70 years are available upon request.
Common mistakes when considering coverage
Waiting until you have kids

Even if you don’t yet have children to protect, accidental death insurance can cover your personal debts, medical bills, home mortgage, lost wages, and even funeral expenses.

Relying on employer-sponsored coverage

Employer-provided accidental death is a nice benefit, but these policies rarely offer sufficient coverage. Any change to your employment status (such as retirement, layoff, or job change) likely means you’ll lose the policy. Having your own policy helps protect you and your loved ones against life’s unexpected changes.

A+ rated and backed by top carriers

Ethos works with some of the world's largest and most respected insurance carriers, so you can feel confident and secure. Ethos puts our customers and their needs first, as is evident in our excellent user ratings.

A+
See what verified customers say on Trustpilot
via Trustpilot
It was the easiest transaction ever
It was the easiest transaction ever! I loved getting this insurance policy! I still work full time and I saved a lot of time! Excellent!!
Wendell M.
via Trustpilot
Great experience from start to finish
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping
Richard P.
via Trustpilot
I loved working with Ethos
I loved working with Ethos. They are professional, timely, honest, and quick to respond to my questions and concerns. I was really pleased with the service I received through working with them. Thanks for helping me get insured, Ethos!
M.F. Cook
via Trustpilot
It was the easiest transaction ever
It was the easiest transaction ever! I loved getting this insurance policy! I still work full time and I saved a lot of time! Excellent!!
Wendell M.
via Trustpilot
Great experience from start to finish
Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping
Richard P.
via Trustpilot
I loved working with Ethos
I loved working with Ethos. They are professional, timely, honest, and quick to respond to my questions and concerns. I was really pleased with the service I received through working with them. Thanks for helping me get insured, Ethos!
M.F. Cook
via Trustpilot
Quick, Honest, Stress Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
FAQs:
What is covered by accidental death (AD)?
Accidental death insurance covers death sustained from any covered injury, which may be work-related or non-work related. Ethos’s accidental death policies pay additional benefits if the insured person is killed as a fare-paying passenger on a common carrier like a boat, bus or plane, or while driving, riding in, or struck by a motor vehicle.
What is not covered by accidental death (AD)?
In general, accidental death insurance does not cover death that is caused by illness or historical physical or mental condition.
How is AD different from life insurance?
While life insurance generally protects you if you pass away for any reason while the policy is active, accidental death insurance only provides coverage in the event of a covered accident. Accidental death coverage is guaranteed as long as you are between the ages of 18-70 and the premium is substantially lower per dollar of coverage.
Can I cancel my accidental death insurance policy?
Yes. You can cancel your policy at any time.
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