Why Accidental
Accidental Deaths
Accidents are the 4th leading cause of death.
For people up through 44 years of age, accidents are the leading cause of death.
National Center for Health Statistics, Health, United States, 2014. www.cdc.gov/nchs/data/hus/hus14.pdf, p. 97, 101-102
Fatal accidents happen one every 15 minutes according to
the Fatality Analysis Reporting System (FARS) as reported
by the Insurance Institute for Highway Safety (2016).
Another reason to consider accidental is that you
can potentially qualify with health conditions. Many of the
health issues that prevent you from qualifying for other term
policies are not considered for accidental.
Furthermore, lifetime odds of dying from any unintentional
cause are about 1 in 31, as reported by The National
Safety Council’s 2015 edition of Injury Facts®.
We also have an accidental that is guaranteed without any health questions
or height to weight requirements that other life insurance holds against you.
Premiums are also the same for smokers as they are for non-smokers.
Ability to add the Return of Premium rider on some options for people aged 20-50
which returns all your premium payments after the 30 years,
