Accidental Death Insurance
Accidental Death insurance is an easy and low cost option to purchase life insurance cover. It provides a lump sum benefit in the event that death occurs as a result of an accident. An accident is defined as 'being the death is a result of a physical injury, caused solely and directly by a unexpected, violent and external means that is not traceable to the life insured’s state of mental or physical health before the event'. A car accident is an example of this.
In most instances accidental death insurance is not underwritten, which means people that have suffered a health problem in the past are able to get this cover without any exclusions or loadings placed on their policy. This generally means lower premiums.
Accidental death is a great product to consider, especially for younger Australians, who are at a greater risk of suffering an accident and passing away than older generations (according to the Australia Bureau of Statistics, Causes of Death in Australia: 2008).
Acceptance for an accidental death insurance application is guaranteed, the premiums are as low as 80 cents a day and cover is available up to $1,000,000 and will protect you until the anniversary before your 99th birthday.
Contact Lifebroker today on 1300 20 40 50 to get more information on Accidental Death Insurance.
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