Coverage
Accidental Death Benefit (ADB)
Accidental death benefit coverage, sometimes called AD&D, pays an additional benefit if death results from a covered accident. It is available as a rider you add to a life insurance policy or as standalone coverage, and it is an affordable way to add an extra layer of protection. As an independent brokerage based in Dallas and licensed nationwide, Legion Financial Group helps you compare accidental death benefit options across many top-rated carriers.
Who it's for
ADB appeals to people who want to strengthen their protection affordably — especially those in more active roles or households who want extra coverage layered on top of a primary policy.
Key points
- Pays an additional benefit if death results from a covered accident.
- Available as a rider on a life insurance policy or as standalone coverage.
- An affordable way to increase total protection without a large premium.
- Covered events and exclusions vary by carrier and product, so the details matter.
Frequently Asked Questions
Related Coverage
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Smaller, easy-to-qualify whole life that covers funeral, burial, and final medical costs.
Learn moreTalk through Accidental Death Benefit (ADB) with a licensed agent.
No obligation — just clear answers and an honest recommendation that fits your family and budget.
Product availability, features, riders, and guarantees vary by carrier, product, and state, and are subject to the issuing carrier's terms and underwriting. This page is for general information only and is not insurance advice or an offer of coverage.