ACCIDENTAL DEATH BENEFIT RIDER

Accidental Death Benefit (ADB) – The Accidental Death Benefit rider may be added to a life insurance certificate to provide for an additional amount to be paid to the beneficiary should the insured die as the result of an accident. The Accidental Death Benefit can be paid only when the insured dies as the result of an accident. Benefits, risks not covered, and general provisions are covered in the contract and the agent manual. This rider is available from age 5 to age 70.

How to Sell Accidental Death Benefit Rider

This rider will increase the certificate face value to double in the event of an accident for a small additional premium. Accidents are the fifth leading cause of death in the United States and the number one cause of death for children ages 1-14.