An accidental death rider is an optional add-on to a term life insurance policy. It helps provide additional financial protection by paying an extra benefit to your beneficiaries if the insured dies as the result of a qualifying accident.

The accidental death rider is not a standalone policy. It is added to a term life insurance policy and is meant to supplement your existing coverage.

An accidental death rider may be added when you purchase your term life insurance policy or within the first 30 days after purchase. After the first 30 days, the rider cannot be added. The accidental death rider may not be available in all states.

The accidental death rider may be available to customers who are approved for a Fabric by Gerber Life term life insurance policy. No medical exam is required, and there are no additional health questions for the rider. Availability may vary by state.

The accidental death rider provides an additional benefit if the insured dies as the result of a qualifying accident. Qualifying accidents may include events such as a motor vehicle accident, drowning, or a plane crash as a passenger. Some exclusions apply. Examples of exclusions may include:

Please see your policy documents for the full terms, conditions, and exclusions.

Term life insurance pays a benefit to your beneficiaries if the insured person passes away while the policy is active, subject to the terms of the policy.

An accidental death rider pays an additional benefit if the insured person dies because of a qualifying accident.

Your term life insurance policy already includes coverage for accidental death, subject to the terms of the policy. The accidental death rider provides extra coverage for qualifying accidental deaths.

The accidental death rider is optional. Some customers choose to add it because they want additional coverage in case of a qualifying accidental death. It may be helpful if you want extra protection for your family or if you feel accidental death coverage is especially important for your situation.

You can only add the accidental death rider at purchase or within the first 30 days after purchasing your term life insurance policy, if the rider is available in your state.

After 30 days, the rider cannot be added.

Yes, some changes can be made after purchase. You can add the accidental death rider within the first 30 days after purchasing your term life insurance policy, if the rider is available in your state.

You can reduce the accidental death rider coverage amount at any time. The rider coverage amount cannot be higher than the active term life insurance coverage amount.

You can also remove the accidental death rider at any time. If you remove the rider after the first 30 days, you will not be able to add it back later.

If you would like to remove the accidental death rider from your policy, please contact us at support@meetfabric.com.

Removing the rider may reduce your total premium, but the rider cannot be added again later if you are outside the first 30 days after purchasing your policy.

No. Once your policy and rider are active, your monthly rate is guaranteed to stay the same as long as premiums are paid.

No. The accidental death rider is not the same as a separate accidental death and dismemberment, or AD&D, policy.

The accidental death rider is added to a Fabric by Gerber Life term life insurance policy and provides an additional benefit for qualifying accidental death.

AD&D coverage may be offered separately in certain situations and may have different benefits, terms, issuers, and eligibility requirements. Please refer to your policy documents to confirm which type of coverage you have.