Term life insurance provides coverage for a specific period—typically 10, 20, or 30 years—and pays out a tax-free death benefit if you pass away from any cause during the term. It’s designed to replace lost income, cover debts, or support dependents in the event of your premature death. It’s typically more affordable than permanent life insurance and often comes with optional riders, such as critical illness or waiver of premium.

Accidental death insurance, on the other hand, only pays out if you die due to a qualifying accident—such as a car crash or a fall. It’s usually much less expensive than term life and often doesn’t require any medical underwriting. But the coverage is more limited, and it doesn’t pay for death due to illness or natural causes.

For many people, the best approach is to carry both types. Term life provides broad protection, while accidental death insurance adds an extra layer—especially helpful for those with active lifestyles or high-risk jobs.

At Diversified Insurance Brokers, we help clients compare both term life and accidental death insurance from over 75 of the top-rated insurance carriers. We’ll help you build a customized plan that fits your life, your goals, and your budget.

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Not sure which type of life insurance is right for your family?
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