Does Accidental Death insurance make sense for me?

More than 145,000 people die each year in the U.S. due to unintentional injury, making accidents the fourth-leading cause of death in the United States.1 Accidents happen all the time – and aside from the trauma and grief they cause, they can result in lost income, emergency medical costs and other unforeseen expenses. Accidental Death insurance is coverage you can put in place to help you protect your family’s finances in the event of death from a covered accident.

Can I be turned down for this insurance?

If you are 18 to 69 years old, you are pre-approved. There are no health questions and no physical exam required. You are eligible regardless of health or occupation.

Does Farmers® Accidental Death Insurance replace my current life insurance?

No. Accidental Death is designed to cover death caused by accidents. These policies are generally less expensive than life insurance because they are limited in what they cover. For that reason, you may consider Accidental Death insurance in addition to a traditional Term or Whole Life insurance policy.

What causes of death are not covered by Farmers Accidental Death insurance?

  1. Suicide, attempted suicide, or intentionally self inflicted injury, while sane or insane;
  2. declared or undeclared war or any act of war;
  3. injury sustained while performing military duty or active service;
  4. participating in a riot;
  5. committing a felony;
  6. sickness or its medical or surgical treatment, including diagnosis or any bacterial infection except through a wound accidentally sustained;
  7. operating or riding in any kind of aircraft except as a fare paying passenger on a commercial flight;
  8. voluntary gas inhalation or poison voluntarily taken, administered or inhaled;
  9. being under the influence of alcohol or having a blood alcohol level at or above the legal limit at which it is unlawful to operate a motor vehicle (as defined in the state where the accident occurred);
  10. taking of any drug, medication, narcotic or hallucinogen unless as prescribed by a physician;
  11. operating a mechanical or motorized device or motor vehicle while having a blood alcohol level at or above the legal limit at which it is unlawful to operate the mechanical or motorized device or motor vehicle (as defined in the state where the accident occurred, or, if there is no limit specific to the motorized device, the limit at which it is unlawful to operate a motor vehicle);
  12. riding in or driving any type of motorized vehicle in any kind of speed contest.

Please note: exclusions may vary by state.

1 Center for Disease Control, United States Health Report, 2016, Table 19. 2 LIMRA Barometer Study, 2017.

*In order to receive $1 million in proceeds, you must have $200,000 in base coverage and death must result from a Common Carrier accident. To qualify for the Common Carrier benefit, the accident causing the death must occur when the insured is riding as a fare-paying passenger in or on a licensed public conveyance operated by a common carrier on its regularly scheduled route.


Before you apply read the Outline of Coverage which includes Exclusions and Limitations.

ADIM-S                        12/19