What do these benefits mean?
Accidental death and dismemberment coverage may pay for specified accidental deaths or injuries. A living-benefit rider may allow access to part of a life policy’s death benefit after a qualifying diagnosis or condition. One does not automatically include the other.
How it works
Each contract defines qualifying events, exclusions, benefit amounts, and claim requirements. An accelerated death benefit can reduce the remaining death benefit and may involve fees or other consequences. Accident-only insurance generally does not pay for death from illness.
Situations worth discussing
- Reviewing a gap in accident-specific protection
- Understanding riders already on a policy
- Considering eligible accelerated-benefit options
- Comparing supplemental coverage with full life insurance
Bring your questions to Direct Life Advisors
We can help you understand the choices and prepare for an informed decision. Product availability, premiums, and eligibility must be confirmed for your state and circumstances. No coverage is in force until the insurer’s requirements are met.