Accidental death insurance covers death sustained from any covered injury, which may be work-related or non-work related. Mutual of Omaha’s accidental death policies pay additional benefits if the insured person is killed as a fare-paying passenger on a common carrier like a boat, bus or plane, or while driving, riding in, or struck by a motor vehicle.

While life insurance generally protects you if you pass away for any reason while the policy is active, accidental death insurance only provides coverage in the event of a covered accident. On the other hand, accidental death is guaranteed, even for people who cannot qualify for many types of life insurance, as long as you are between age 18 and 70, and the premium is substantially lower per dollar of coverage.

In general, the cost of an accidental death policy is a fraction of the cost of a comparable term or whole life insurance policy. The premium you pay is tied to the coverage amount you choose; the more coverage, the higher the premium.

An agent can help you select the right accidental death insurance policy for you by helping you develop your goals, explaining your options and recommending solutions that achieve your financial goals. An agent can also answer your questions about accidental death insurance and help you keep your plan current as your needs change.

Call 800-877-5399 to submit your application—note that there are only two health questions. Your application is reviewed to ensure completion, and as long as you are qualified based on your age, your policy will be issued and delivered to you.