Assurity Life Accidental Death Insurance
At Diversified Insurance Brokers, we help individuals and families secure fast, affordable protection with Assurity Life’s Accidental Death Insurance. This coverage is designed for people who want financial security without medical exams, long underwriting delays, or complicated policy structures. If you need simple, budget-friendly protection—or you want extra coverage on top of your existing life insurance—Assurity’s accidental death plan is one of the most flexible options available today.
Accidental death insurance pays a benefit if your death results from a covered accident. It’s often chosen by people who have active lifestyles, travel frequently, or want coverage during key financial years such as raising a family, paying off a mortgage, or supporting a spouse. Assurity’s product stands out because of its ease of application, low monthly premiums, and multiple coverage-term options.
Below, you’ll find a complete guide to how Assurity’s plan works, who it’s best for, how claims are paid, rider options, coverage limitations, and links to explore other important topics such as Assurity company ratings, life insurance exams, income protection options, high-risk underwriting, term life estimates, accidental death vs. AD&D, and retirement safety strategies.
Buy Accidental Death Insurance Online
If you prefer a fast, agent-free experience, you can quote and apply securely online.
Prefer Help from an Advisor?
If you want assistance comparing Assurity against other carriers, use the form below.
Request Expert AssistanceWhat Is Assurity Life’s Accidental Death Insurance?
Assurity’s Accidental Death Insurance is a streamlined policy that pays a tax-free, lump-sum benefit to your beneficiaries if your death results from a covered accident. It has no medical exam, minimal questions, and policies are typically issued within two business days. Coverage is guaranteed renewable for the entire term as long as premiums are paid.
This makes the product ideal for people who want coverage quickly, do not want an exam, or may not qualify for fully underwritten life insurance. It’s also commonly used as supplemental protection for families who already have term or whole life insurance but want additional low-cost coverage during high-needs years.
Coverage Amounts & Eligibility
- Benefit amounts: $5,000 – $350,000
- Issue ages: 18–70 (varies slightly by term selection)
- Policy terms: 15-year, 20-year, 30-year, or to age 80
- Guaranteed renewable: Yes
- Typical approval time: 1–2 business days
Key Built-In Features
- Common Carrier Benefit: Pays 2× the benefit if death occurs on a fare-paying bus, plane, train, ferry, or similar carrier.
- Seatbelt Benefit: Pays an additional 10% of the benefit if the incident occurs while properly wearing a seatbelt.
- No medical exam: Minimal health questions—instant underwriting for many applicants.
- Immediate coverage: Most policies issue very quickly.
Optional Rider: Accident-Only Disability Income Rider
This rider pays a monthly benefit if a covered accidental injury leaves you totally disabled and unable to work. It’s an affordable way to protect your income and pairs well with Assurity’s disability insurance pages.
What Isn’t Covered?
Accidental death insurance does not pay for death due to sickness or disease. Exclusions also apply for activities such as aviation (as a crew member), professional sports, extreme activities (skydiving, hang-gliding, bungee jumping), racing vehicles, intoxication, felony activity, illegal occupation, suicide, and wartime activity.
Who Is a Good Fit for This Policy?
This product is best suited for:
- People wanting fast, affordable protection without a medical exam
- Individuals with risky jobs or active lifestyles
- Families wanting extra coverage during their earning years
- People who travel by plane or public transportation frequently
- Those who want supplemental coverage alongside term life insurance
Why Choose Assurity?
Assurity is a 130-year-old company known for strong financial stability, customer service, and responsible underwriting. You can learn more about the company’s strength and background here: Is Assurity a Good Insurance Company?
How to Buy Assurity Accidental Death Insurance
You have two options:
1. Buy Online (Fastest Option)
You can quote, apply, and complete your policy entirely online using Assurity’s secure QuickStart portal below.
Start Your Online Quote & Application
2. Apply with Help from an Advisor
If you prefer human help or want to compare accidental death insurance to traditional life insurance, our advisors can help.
Related Pages
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Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Assurity Life Accidental Death Insurance
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About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
