In India, every hour, 19 people die due to accidents, and only 34% of Indians have life insurance. Among those countless accident, some are the only breadwinners of the family.

It’s not just their personal loss, but their family suffers a lifetime trauma mentally and financially.

Accidents are unexpected and unfortunate incidents, and it happens without warning. No one can foresee what the future holds. However, we can ask ourselves some important questions to check where we stand if life throw us in such situation.

Am I Insured?

Is my life insurance coverage enough to meet my family’s needs?

Will my family receive full benefits from the insurance in case of an accidental death?

In this blog, we’ll understand the importance of life insurance and more advanced Accidental Death Benefit Riders.

Advantages of having an Accidental Death Benefit Rider in Your Life Insurance

Having life insurance is always a smart choice. But in today’s fast-paced and risky world, it’s wiser to add an Accidental Death Benefit (ADB) Rider to your policy.

Have a look at some powerful benefits by adding an Accidental Death Benefit Rider.

• Low premium, High Risk-Cover: When you buy a life insurance policy, you pay a fixed premium, monthly or annually and you receive financial protection for your family. But what if you could significantly increase your risk cover by adding just a small extra premium?

That’s exactly what the Accidental Death Benefit (ADB) Rideroffers: more coverage, more peace of mind, and minimal extra cost.

• Extra Financial Support for Families: TheAccidental Death Benefit (ADB) Rider gives extra financial support for families.
• Add More Value to Your Life Insurance: No doubt, life insurance gives value to your precious life, but the Accidental Death Benefit Rider adds more value because accidental death cases are rapidly increasing.
• Manage Finance After You: Most people worry about who will take care of their family after them, so they buy insurance. An Accidental Death Benefit (ADB) Rider is the most effective insurance that manages your finances after you.
• A Relaxation in Your Every Travel: Most accidents occur during traveling or commuting, having an ADB, you are much relaxed while traveling.

Who Needs an Accidental Death Benefit Rider the Most and Why?

• The Only Breadwinner: People who are the only earners of the family. May be a father or elder son.
• High-Risk Job Employees: People who are involved in high-risk jobs such as factory workers, drivers, and adventure-related jobs.
• People Who Often Travel: People who travel more or work in a field where traveling is more often required.
• People Who Frequently Engage into Adventure Activities (some policies add these activities like bungee jumping, sky-diving, paragliding, accidents):If you are more adventurous and love adventure sports. ADB Policies are for you.
• People Who Live in a Place Where Natural Disasters Occur the Most: Natural disasters are also one of the unexpected events. If you live in such a place where the chances of natural disaster are high, you must buy an ADB Policy.
  
  

Ask Insurance Mart: Do You Need an Accidental Death Benefit Rider?

When it comes to insurance, most companies simply try to sell you a policy. But at Insurance Mart, we believe in something far more valuable, understanding you first.

We don’t impose insurance on you. Instead, we take the time to assess your daily routine, hobbies, lifestyle, and personal risks. Why? Because every individual is different, and your insurance coverage especially something like an Accidental Death Rider (ADR) should reflect your real-life needs.

Are you confused about whether you need an Accidental Death Rider (ADR) along with your policy or not? Get your personalized insurance assessment today with Insurance Mart.