https://www.insurerbrain.com/w/index.php?action=history&feed=atom&title=Definition%3AAccidental_death_benefit 2026-04-30T10:39:05Z Revision history for this page on the wiki MediaWiki 1.43.8 https://www.insurerbrain.com/w/index.php?title=Definition:Accidental_death_benefit&diff=7197&oldid=prev 2026-03-10T12:39:25Z

<p>Bot: Creating new article from JSON</p> <p><b>New page</b></p><div>💀 &#039;&#039;&#039;Accidental death benefit&#039;&#039;&#039; is a [[Definition:Life insurance | life insurance]] or [[Definition:Group insurance | group insurance]] provision — sometimes offered as a standalone [[Definition:Policy | policy]] and sometimes attached as a [[Definition:Rider | rider]] — that pays an additional sum to [[Definition:Beneficiary | beneficiaries]] if the [[Definition:Insured | insured]] dies as the direct result of an accident rather than illness, natural causes, or excluded circumstances. In the industry, the benefit is often abbreviated as ADB, and when paired with dismemberment coverage, it becomes the familiar [[Definition:Accidental death and dismemberment insurance (AD&amp;D) | AD&amp;D]] product.<br /> <br /> 🔎 The benefit triggers only when death results from an external, violent, and accidental event — such as a car crash, fall, or drowning — and typically must occur within a specified period (often 90 or 180 days) after the accident. [[Definition:Insurance carrier | Carriers]] apply a defined list of exclusions, commonly removing coverage for deaths caused by drug overdoses, suicide, war, participation in illegal activities, or pre-existing medical conditions that contributed to the fatal event. Because the probability of accidental death is statistically much lower than death from all causes, ADB [[Definition:Premium | premiums]] are relatively inexpensive, making the benefit a popular add-on in [[Definition:Employer-sponsored insurance | employer-sponsored]] group plans and individual [[Definition:Life insurance | life]] policies alike.<br /> <br /> 📌 While the affordability of accidental death benefits makes them an easy sell, insurance professionals should ensure that clients understand the significant coverage limitations. An ADB rider does not substitute for adequate [[Definition:Life insurance | life insurance]] — it only pays under narrow circumstances, and disputes over whether a death was truly &quot;accidental&quot; generate considerable [[Definition:Claim | claims]] litigation. For [[Definition:Underwriting | underwriters]], the product&#039;s simplicity belies the importance of precise policy language, as ambiguities in exclusion wording can expose [[Definition:Insurance carrier | carriers]] to unexpected payouts. Proper client education and clear [[Definition:Policy | policy]] drafting are essential.<br /> <br /> &#039;&#039;&#039;Related concepts&#039;&#039;&#039;<br /> {{Div col|colwidth=20em}}<br /> * [[Definition:Accidental death and dismemberment insurance (AD&amp;D)]]<br /> * [[Definition:Life insurance]]<br /> * [[Definition:Rider]]<br /> * [[Definition:Beneficiary]]<br /> * [[Definition:Group insurance]]<br /> * [[Definition:Policy exclusion]]<br /> {{Div col end}}</div>

PlumBot