An accidental death benefit as it pertains to life insurance refers to an add on provision or rider that would pay the beneficiary more of a benefit (above the face value) if the policy holder died by accidental means. What consitutes such will be in the details of the policy. Now there can be various varients of an accidental rider for instance it could pay double or triple the face value or some other amount.

Who is accidental rider for life insurance suited for? Well it could be for an individual that perhaps drives an automobile (especially long distances) as many thousands of people die in motor vehicle accident annually. Or could be for one who works in an occupation that is hazardous. Its important to read the fine print to understand what is excluded. Also know how long after the accident happens that the rider is valid for.

Below is a related video for more on this: