Sometimes when you're reviewing a term life insurance policy, you'll see the option to add an accidental death rider, which increases the payout if death occurs as the result of an accident.

But when you look at how people actually die (according to CDC data, most deaths among adults are caused by illness rather than accidents), the value of this rider often looks less compelling.

In this video, you’ll see a real client quote for a 43-year-old mom that helps you understand how this rider works, why it's generally not worth the cost, and the one scenario where it can maybe make sense.

If you'd like a quick overview of accidental death & dismemberment insurance, you can watch our intro video here:
Should You Buy Accidental Death & Dismemberment (AD&D) Insurance? Usually No.

If you’re exploring your options, you can begin by getting quotes for life insurance or disability insurance.