Understanding Accidental Death Insurance


Accidental death insurance pays a lump sum should the insured pass away by accident, as defined by the life insurance policy. Many policies specify that the insured must die within 90 days of the accident or be 70 years or younger at the time of accident. Injuries or accidental death caused by acts of war, illegal activity and non-commercial radiation are also usually not covered.

Accidental death insurance can be sold on its own (as is the case with many lending institutions in Canada and credit card companies) or it can be added as a benefit to an existing life insurance policy. When added as a benefit, it’s often referred to as double indemnity coverage. This means that if the insured dies by accident, double the policy face amount is paid out.

For more details on accidental death insurance in Canada, please contact us at 1-866-899-4849, or visit our Term Life Insurance Instant Quote Page.

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  1. bryan 04/15/2013 at 2:53 pm

    hi, my sister was killed in an auto accident. she was the passenger. she was hitchhiking I guess and got a ride with this man anyway he went threw an intersection and was struck by a truck.it was not the truck drivers fault. the driver survived the wreck but was drunk driving it was .17 if the man had insurance are any of my sisters children entitled to accidental insurance or if she was married would her husband get any money thanks

  2. LSM Insurance 04/15/2013 at 3:05 pm

    I’m sorry to hear that. You would have to check the provisions of the policy to see if she qualifies. You could contact her broker or the insurance company to get the claims process started.

    The following is a directory of the different life insurance companies in Canada link to lsminsurance.ca.

  3. Ben 06/07/2013 at 2:20 pm

    Accidental Life Insurance makes no sense. The only one who profits is the insurance company. It actually does more harm than good because people think they have coverage when I reality they have a policy that has almost no chance of paying out. It’s not more than wallet stuffer for insurance companies

  4. LSM Insurance 06/07/2013 at 2:23 pm

    Ben you make a good point thinking they have more coverage than they have. If someone needs $300,000 Life Insurance – $300,000 Accidental does not do the trick.

  5. doran 07/07/2013 at 4:18 pm

    my husband died and had accidental insurance and did he have to be on the job and at work to be covered?

  6. LSM Insurance 07/07/2013 at 8:11 pm

    Hi Doran, I’m sorry to hear that. It would really be dependent on what the plan does and what constitutes an accidental death.

  7. Joyce 11/03/2013 at 3:17 pm

    My stepfather fell & broke his ankle – after stay in hospital he was sent to a senior care facility for rehab where he developed pneumonia & was sent back to hospital where he had a stroke then died – he was 79 & all this occurred within a 3-4 week period – should we pursue his AD&D policy for which he paid $22.50/month?

  8. LSM Insurance 11/03/2013 at 6:57 pm

    Hi Joyce,

    I’m sorry to hear that this would depend on the wording of your stepfather’s policy.

    There is no harm in inquiring to see if he qualifies under the policy.

  9. luis 05/27/2014 at 9:39 pm

    My domestic parntner was killed last year, i have ad&d insurance thru my work for my family and myself but we were not married nor register as domestic partners will she qualified?

  10. LSM Insurance 05/28/2014 at 8:42 am

    Sorry to hear that. It would depend who is listed as the beneficiary on the policy, If you are her beneficiary and the claim is paid out you should receive the money.

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