At Diversified Insurance Brokers, we help individuals and families add straightforward protection without the friction that often comes with traditional life insurance underwriting. If you want something you can put in place quickly—without labs, exams, or weeks of back-and-forth—Assurity Life Accidental Death Insurance is one of the most practical solutions available. It’s built for people who want a clean, affordable benefit that can help protect a spouse, children, or other loved ones if a covered accident leads to death.

Accidental death coverage is not meant to replace fully underwritten term or permanent life insurance for most families. Instead, it’s often used as a low-cost “extra layer” during high-responsibility years—when you’re raising kids, paying down debt, supporting a partner, or simply want more protection without committing to a more complex application. For some households, it also fills a gap while you’re waiting to qualify for a traditional policy, or while you’re sorting out underwriting questions tied to health history or medications. If you’ve been researching broader underwriting topics, our guide on what to expect from a life insurance exam can help you understand why accidental death insurance feels so much faster.

Where this type of policy shines is speed and simplicity. If your risk concern is “what happens financially if I’m gone because of a serious accident,” this is designed to answer that question with a clear, defined benefit. If your goal is broader life insurance protection that covers illness-related death as well, you may want to compare this with traditional options and underwriting paths, including strategies for people who have medical complexity. If that’s you, start with life insurance with pre-existing conditions to see how carriers approach health history and why some buyers use accident coverage as a bridge while they build a longer-term plan.

What Assurity Accidental Death Insurance Is (and What It Isn’t)

Assurity Life Accidental Death Insurance is a simplified-issue policy designed to pay a lump-sum benefit to your beneficiary if death results from a covered accident as defined in the contract. It’s intentionally narrow. That’s not a drawback—it’s why the application can be fast and why premiums can be low compared to broader life insurance. The tradeoff is also simple: accidental death coverage generally does not pay if death results from sickness or disease.

If you’ve seen the term “AD&D,” it’s helpful to know that people use it in different ways online. Some AD&D-style coverage focuses on accidental death and certain severe injuries (dismemberment), while other accidental death products are more strictly death-focused with optional riders. If you want to compare how accidental death coverage differs from AD&D concepts, you can review accidental death vs. AD&D and use that as your reference point while reviewing Assurity’s specific policy language and options.

Why People Buy Accident-Only Coverage Even When They Already Have Life Insurance

Many families already carry some level of term life insurance through work or a personally owned policy. So why add accidental death coverage at all? The reason is usually about cost-effective layering. If your household wants an extra amount of protection but doesn’t want the complexity of a new fully underwritten policy, an accident-only policy can be a clean way to increase protection quickly. It can also be useful when your financial obligations are temporary—like a mortgage payoff window, a period of heavy childcare costs, or the years when your income is doing the most to support everyone else.

It can also be a practical “bridge” policy. Some buyers want a traditional policy but don’t want to go through medical underwriting right now, or they’re waiting for a better time to apply—after a medication change, after a period of stable follow-ups, or once a temporary condition has resolved. In those situations, a fast accident-only plan can create meaningful protection while you plan for more comprehensive coverage later.

Coverage Amounts, Eligibility, and Term Options

Assurity’s accidental death coverage is structured to provide flexible, consumer-friendly benefit amounts with multiple term designs. Exact availability depends on state and selection, but buyers typically choose a face amount that would meaningfully protect the household—covering income replacement needs, debt payoff priorities, or a specific financial goal if the unexpected happens.

Most people choose a coverage amount by starting with their “must-cover” obligations: the mortgage or rent timeline, childcare needs, other debts, and how long a spouse would need financial breathing room. If you want a quick way to sanity-check numbers, you can also use a term estimate as a reference point, then decide how much accident-only coverage makes sense as a supplement. A practical tool for that is our term life insurance calculator, even if your end decision is to layer accident-only coverage on top of existing life coverage.

One reason this policy is popular is that it’s designed to move quickly. For households that want speed and predictability, that matters. If you’re comparing Assurity as a carrier—beyond this one product—you can also review Assurity company ratings and use that page to understand the broader company profile.

How Claims and Benefits Typically Work

When a covered accidental death occurs, the policy is designed to pay a lump-sum benefit to the named beneficiaries, subject to the contract terms and claim requirements. In real life, the simplest way to keep claim processing smooth is to make sure the beneficiary designations are accurate and updated, and that the policy owner information matches your intentions. Many claim delays are not about the carrier—they’re about outdated beneficiaries, unclear ownership, or missing documentation.

If you’re someone who likes to plan ahead, it can help to treat this policy like other core household documents: keep the confirmation details in a shared location, and review beneficiaries periodically (especially after marriage, divorce, the birth of a child, or the purchase of a home). This is also a good time to think about broader protection strategies that support stability during life transitions. For example, if you’re building a bigger plan around long-term stability, you may also find it useful to read retirement safety strategies—not because it’s directly tied to accidental death insurance, but because the same “layered protection” mindset tends to produce better outcomes over time.

Built-In Enhancements That Matter for Real Life

One reason people like Assurity’s accidental death design is that it can include meaningful “common scenario” enhancements that align with how many accidents occur. Depending on the plan structure and state availability, buyers may see features such as additional benefits for certain transportation-related accident scenarios, or benefit boosts when specific safety conditions are met (for example, a seatbelt-related enhancement). These features are meant to align with a simple reality: if a family buys accident-only coverage, they typically want it to respond strongly in the types of accident scenarios that are most common.

Because features vary by plan and state, the right way to evaluate these enhancements is to view them as “value multipliers.” If you travel often, commute frequently, or spend a lot of time in vehicles, these built-in enhancements can be a meaningful part of the policy value—not just a footnote. If your primary concern is a broader, illness-inclusive protection strategy, though, you’ll likely want to compare accident-only with more comprehensive life insurance solutions.

Optional Add-On: Accident-Only Disability Income Rider

Some Assurity accidental death designs offer an optional rider that can pay a monthly benefit if a covered accidental injury results in total disability that prevents you from working. For many families, this rider is attractive because it addresses the most immediate financial problem after an accident: the paycheck interruption. While the accidental death benefit protects your household if you’re gone, the disability rider can help if you’re alive but unable to earn for a period of time.

If income interruption is a major concern, it’s also worth comparing accident-only disability riders with standalone disability policies, which can be broader and can cover illness-related disability as well. If you’re building a serious income protection plan, you may want to explore disability needs and how to size coverage in a way that matches your budget and risk exposure. A helpful reference point is income protection options, especially if you’re thinking about how multiple protection layers work together over time.

Limitations and Exclusions You Should Understand Up Front

Accidental death coverage is simple, but it’s still a contract. The most important limitation is the core one: it generally does not pay for death due to sickness or disease. Beyond that, most accidental death policies include exclusions tied to high-risk activities or scenarios that materially change the risk profile. These can include certain aviation scenarios, professional sports participation, or extreme activities such as skydiving, depending on the policy form.

Other exclusions can involve intoxication-related events, felony or illegal activity, and certain wartime or hazardous circumstances. The purpose of exclusions is not to “catch you” as a consumer—rather, it’s how carriers keep accident-only coverage affordable for the broader group of people who want basic, everyday accidental death protection. If any of these topics apply to your lifestyle, it’s better to know early so you can choose the right product type instead of guessing.

Who This Policy Tends to Fit Best

This policy tends to make the most sense for people who value speed, simplicity, and low-cost supplemental protection. It can be especially attractive for buyers who want to avoid medical exams, are comfortable with the accident-only limitation, and want a policy that’s easy to understand. It can also be a fit for people who already have term life insurance but want additional coverage during high-responsibility years without the friction of a new fully underwritten policy.

If your main concern is qualifying for traditional life insurance due to health history, don’t assume accidental death coverage is your only option. Many carriers have underwriting paths that can still work, depending on the condition, stability, medications, and overall risk profile. A good starting point for that exploration is high-risk underwriting.

How to Buy Assurity Accidental Death Insurance

You can go two directions depending on how hands-on you want to be. If you prefer a fully self-directed experience, the online application is usually the fastest. You can quote and apply in a secure environment, and many applicants receive quick decisions. If you prefer guidance—especially if you’re trying to coordinate this with other types of protection—the form on this page gives you a simple way to request help comparing Assurity against alternatives.

Either way, the goal is the same: match the policy to your real-world risk and financial priorities without overbuying. For some households, that means choosing a modest accidental death benefit as an add-on. For others, it means using accident-only coverage now and planning a broader life insurance solution later.