Yes — accidental death is covered by standard life insurance like any other cause. You can also add an accidental death and dismemberment (AD&D) rider that pays an additional benefit for accidents.
Usually Covered
By the Home & Dime Editorial Team · Updated 2026
Standard coverage
A regular policy pays the death benefit whether death is from illness or accident.
AD&D rider
Pays an extra amount (often double) specifically for accidental death, and partial benefits for certain injuries.
Common exclusions
- Deaths from illegal acts or intoxication (may be excluded)
- Deaths during the contestability period from misrepresentation
Tips
- Confirm whether you want an AD&D rider.
- Disclose risky hobbies honestly.
- Keep beneficiaries up to date.
Frequently asked questions
Is AD&D worth it?
It’s cheap but narrow — a full policy covers more.
Is accidental death covered without a rider?
Yes — standard policies cover it.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Life Insurance guide
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