Accidental Death Benefit New York

An accidental death benefit is an added benefit that protects your family if you should lose your life accidentally. Whether it is part of your regular insurance policy or a separate policy, the benefits remain the same.


1 . Local Companies

Allstate Auto Insurance
(888) 355-7971
11 North St
Canandaigua, NY
Allstate Auto Insurance
(888) 355-7971
3554 83rd St Bsmt 5
Jackson Heights, NY
Allstate Auto Insurance
(888) 355-7971
511 Long Beach Blvd
Long Beach, NY
Allstate Auto Insurance
(888) 355-7971
980 Westfall Rd
Rochester, NY
Allstate Auto Insurance
(888) 355-7971
484 Clubhouse Dr
Patchogue, NY
Mr. Jesse B. Mackey (RFC®), MBA
516 677 5034
80 Crossways Park West
Woodbury, NY
Allstate Auto Insurance
(888) 355-7971
72 Main St
Delhi, NY
Allstate Auto Insurance
(888) 355-7971
131 N Middletown Rd
Pearl River, NY
Allstate Auto Insurance
(888) 355-7971
17 S Main St
Pittsford, NY
Allstate Auto Insurance
(888) 355-7971
25A Route 25
Wading River, NY
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2 . Overview

Not everyone thinks of an accidental death benefit when purchasing term life insurance. In fact, most people only think of it when their employer offers it as a benefit, or their main insurance policy offers riders for accidental death. Perhaps there may be those who do not even grasp the concept of an accidental death benefit rider because they have never been offered the opportunity to purchase one. The coverage offered with an accidental death benefit rider can make the difference in the financial well being of the surviving family members, especially if the accidental death benefit is higher than the face value of the policy.

Many times, riders for accidental death offer double or triple indemnity. That means the face value of the policy is increased by that amount in the case of an accidental death. An accidental death benefit can relate to many different types of situations including a work-related accident, automobile accident, or any other type of accident that has a fatal ending. Many people who cannot afford the premiums for a life insurance policy will often purchase an accidental death benefit policy. The reason behind this line of thinking is the likelihood of someone being killed in some type of accident rather than by other means. These specialty policies are less expensive than a term life or whole life policy, so there is more incentive to purchase a policy that pays an accidental death benefit.

3 . Making The Right Decision

No matter how old or young you are, there is always a possibility that something can happen to create the need for an accidental death benefit for your family. You can walk out your front door and be hit by a car as you attempt to cross the street, and if you have nothing for your family, the financial struggles can be difficult for them to handle. Funeral expenses alone can run well over $10,000, and while many people plan for the future with term life insurance, many do not think of adding an accidental death benefit rider. Although these same people may indeed have other insurance, the additional protection of an accidental death benefit rider is not their highest priority.

It's important to have riders on your insurance policy that provide an accidental death benefit. Depending on the nature of your employment, you may wish to increase this benefit to three or four times the face value of your policy in order to assure your family's security. You need to look at your lifestyle before you make a decision one way or another, and though everyone is likely to be subject to accidental death, some occupations are more accident prone than others. Your occupation also will determine how much accidental death benefit is necessary.

4 . Choosing A Provider

Unless your employer provides accidental death benefit insurance, you may typically think your current life insurance carrier is the best choice for an accidental death benefit rider. Certainly, there is some benefit in choosing someone with whom you are familiar, but there is also good reason to make inquiries of others in the industry, as well. When adding any new insurance, you want to make sure you have the best possible coverage, even if it means having a different carrier for different types of insurance. There was a time when an insurance company would fight to keep your business, but with the larger population today, they know when they lose one customer, they will gain another, so they are less likely to match the quotes of competitors than when our parents and grandparents were buying insurance.

You must take the time to make inquiries of more than one insurance carrier in order to find the right provider. You need to know what you want and what you expect of the company you choose. Most accidental death benefit riders carry at least double indemnity. However, if you work in a field that may place you in a dangerous situation on a daily basis, you may wish to find a carrier that offers triple indemnity or more. People expect you to die some time after you retire and plan accordingly, but accidental death is never expected.
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- Accidental Death Benefit Bronx NY
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- Accidental Death Benefit Camillus NY
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- Accidental Death Benefit East Meadow NY
- Accidental Death Benefit East Northport NY
- Accidental Death Benefit East Setauket NY
- Accidental Death Benefit East Syracuse NY
- Accidental Death Benefit Elmhurst NY
- Accidental Death Benefit Elmira NY
- Accidental Death Benefit Elmont NY
- Accidental Death Benefit Endicott NY
- Accidental Death Benefit Fairport NY
- Accidental Death Benefit Far Rockaway NY
- Accidental Death Benefit Farmingdale NY
- Accidental Death Benefit Farmingville NY
- Accidental Death Benefit Floral Park NY
- Accidental Death Benefit Flushing NY
- Accidental Death Benefit Forest Hills NY
- Accidental Death Benefit Franklin Square NY
- Accidental Death Benefit Fredonia NY
- Accidental Death Benefit Freeport NY
- Accidental Death Benefit Fresh Meadows NY
- Accidental Death Benefit Fulton NY
- Accidental Death Benefit Garden City NY
- Accidental Death Benefit Glen Cove NY
- Accidental Death Benefit Glen Oaks NY
- Accidental Death Benefit Glens Falls NY
- Accidental Death Benefit Gloversville NY
- Accidental Death Benefit Great Neck NY
- Accidental Death Benefit Hamburg NY
- Accidental Death Benefit Hauppauge NY
- Accidental Death Benefit Hempstead NY
- Accidental Death Benefit Hicksville NY
- Accidental Death Benefit Hilton NY
- Accidental Death Benefit Holbrook NY
- Accidental Death Benefit Hollis NY
- Accidental Death Benefit Hopewell Junction NY
- Accidental Death Benefit Horseheads NY
- Accidental Death Benefit Howard Beach NY
- Accidental Death Benefit Huntington NY
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- Accidental Death Benefit Ithaca NY
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- Accidental Death Benefit Jamaica NY
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- Accidental Death Benefit Lancaster NY
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- Accidental Death Benefit Levittown NY
- Accidental Death Benefit Lindenhurst NY
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- Accidental Death Benefit Liverpool NY
- Accidental Death Benefit Lockport NY
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- Accidental Death Benefit Long Island City NY
- Accidental Death Benefit Lynbrook NY
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- Accidental Death Benefit Malone NY
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- Accidental Death Benefit Manhasset NY
- Accidental Death Benefit Manlius NY
- Accidental Death Benefit Maspeth NY
- Accidental Death Benefit Massapequa NY
- Accidental Death Benefit Massapequa Park NY
- Accidental Death Benefit Massena NY
- Accidental Death Benefit Mastic NY
- Accidental Death Benefit Melville NY
- Accidental Death Benefit Merrick NY
- Accidental Death Benefit Middle Village NY
- Accidental Death Benefit Middletown NY
- Accidental Death Benefit Mineola NY
- Accidental Death Benefit Monroe NY
- Accidental Death Benefit Monsey NY
- Accidental Death Benefit Mount Kisco NY
- Accidental Death Benefit Mount Vernon NY
- Accidental Death Benefit Nanuet NY
- Accidental Death Benefit New City NY
- Accidental Death Benefit New Hartford NY
- Accidental Death Benefit New Hyde Park NY
- Accidental Death Benefit New Paltz NY
- Accidental Death Benefit New Rochelle NY
- Accidental Death Benefit New Windsor NY
- Accidental Death Benefit New York NY
- Accidental Death Benefit Newburgh NY
- Accidental Death Benefit Niagara Falls NY
- Accidental Death Benefit North Babylon NY
- Accidental Death Benefit North Tonawanda NY
- Accidental Death Benefit Nyack NY
- Accidental Death Benefit Oakland Gardens NY
- Accidental Death Benefit Oceanside NY
- Accidental Death Benefit Ogdensburg NY
- Accidental Death Benefit Olean NY
- Accidental Death Benefit Oneonta NY
- Accidental Death Benefit Orchard Park NY
- Accidental Death Benefit Ossining NY
- Accidental Death Benefit Oswego NY
- Accidental Death Benefit Ozone Park NY
- Accidental Death Benefit Patchogue NY
- Accidental Death Benefit Pearl River NY
- Accidental Death Benefit Peekskill NY
- Accidental Death Benefit Penfield NY
- Accidental Death Benefit Pittsford NY
- Accidental Death Benefit Plainview NY
- Accidental Death Benefit Plattsburgh NY
- Accidental Death Benefit Port Chester NY
- Accidental Death Benefit Port Jefferson Station NY
- Accidental Death Benefit Port Washington NY
- Accidental Death Benefit Potsdam NY
- Accidental Death Benefit Poughkeepsie NY
- Accidental Death Benefit Queens Village NY
- Accidental Death Benefit Queensbury NY
- Accidental Death Benefit Rego Park NY
- Accidental Death Benefit Rensselaer NY
- Accidental Death Benefit Richmond Hill NY
- Accidental Death Benefit Ridgewood NY
- Accidental Death Benefit Riverhead NY
- Accidental Death Benefit Rochester NY
- Accidental Death Benefit Rockaway Park NY
- Accidental Death Benefit Rockville Centre NY
- Accidental Death Benefit Rome NY
- Accidental Death Benefit Ronkonkoma NY
- Accidental Death Benefit Roosevelt NY
- Accidental Death Benefit Rosedale NY
- Accidental Death Benefit Rye NY
- Accidental Death Benefit Saint Albans NY
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- Accidental Death Benefit Saratoga Springs NY
- Accidental Death Benefit Saugerties NY
- Accidental Death Benefit Sayville NY
- Accidental Death Benefit Scarsdale NY
- Accidental Death Benefit Schenectady NY
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- Accidental Death Benefit Shirley NY
- Accidental Death Benefit Smithtown NY
- Accidental Death Benefit South Ozone Park NY
- Accidental Death Benefit South Richmond Hill NY
- Accidental Death Benefit Spencerport NY
- Accidental Death Benefit Spring Valley NY
- Accidental Death Benefit Springfield Gardens NY
- Accidental Death Benefit Staten Island NY
- Accidental Death Benefit Stony Brook NY
- Accidental Death Benefit Suffern NY
- Accidental Death Benefit Sunnyside NY
- Accidental Death Benefit Syosset NY
- Accidental Death Benefit Syracuse NY
- Accidental Death Benefit Tarrytown NY
- Accidental Death Benefit Tonawanda NY
- Accidental Death Benefit Troy NY
- Accidental Death Benefit Uniondale NY
- Accidental Death Benefit Utica NY
- Accidental Death Benefit Valley Stream NY
- Accidental Death Benefit Vestal NY
- Accidental Death Benefit Wantagh NY
- Accidental Death Benefit Wappingers Falls NY
- Accidental Death Benefit Watertown NY
- Accidental Death Benefit Watervliet NY
- Accidental Death Benefit Webster NY
- Accidental Death Benefit West Babylon NY
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