What is the accidental death rider?

An accidental death rider is optional coverage that can be added to some term life insurance policies. The rider provides an additional benefit if the insured person dies as the result of a qualifying accident, subject to the terms of the policy.

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 provides an additional benefit if the insured person dies due to a qualifying accident.

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

If approved for term life insurance and available in your state, you'll be able to add the rider at the time of purchase. You may be able to add an accidental death rider within the first 30 days of purchasing your term life insurance policy.

The accidental death rider cannot be added after the first 30 days.

You can reduce your accidental death rider coverage amount at any time.

The accidental death rider coverage amount cannot be higher than your term life insurance coverage amount. If you reduce your term life insurance coverage and your accidental death rider amount is higher than the new term coverage amount, your accidental death rider amount will also be reduced.

Yes. If your policy was purchased on or after September 3, 2022, you can cancel your accidental death rider directly from your Fabric account without canceling your term life insurance policy. To cancel only your accidental death rider:

You can also go directly to the accidental death rider cancellation flow here. Sign-in is required.

No. The accidental death rider is attached to your term life insurance policy. If you cancel your term life insurance policy, the accidental death rider will also be canceled.

No. The accidental death rider is not be available in CA, FL, or NY.

No. The accidental death rider is optional.

Legal disclosures

Accidental Death Benefit Rider series ICC25 2502-2624 WSA is offered on the term life insurance policy ICC22 2205-4004 WSA. Term Life Insurance Policy Series ICC22 2205-4004 WSA, Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA, and Accidental Death Benefit Rider Series ICC25 2502-2624 WSA, and state variations where applicable, are issued by Western-Southern Life Assurance Company, Cincinnati, OH, which operates in DC and all states except NY, and distributed by Gerber Life Agency, LLC using Fabric Technologies. Gerber Life Agency, LLC is an affiliate of Gerber Life Insurance Company, established in 1967. All are members of Western & Southern Financial Group.

Issuance of coverage for term life insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions, and exclusions. Product provisions, availability, definitions, and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

This accident-only rider may be offered to adults ages 18–69. Minimum and maximum age requirements and maximum coverage amounts vary by state. Exclusions and limitations may vary by state. This rider is not approved in CA, FL, or NY.