Insurance Term of the Week (2)

For our second week, we have chosen - ACCIDENTAL DEATH BENEFIT (ADB).

Definition
A supplementary life insurance policy benefit that provides a death benefit in addition to the policy’s basic death benefit if the insured’s death occurs as the result of an accident.
Key Features
  • All benefits are paid in addition to any other policy or family income entitlement.
  • All cash benefits are free from income tax. (Under current legislation).
  • Low monthly premiums.
  • No medical examination.
  • This type of policy is generally available to anybody aged between 18 and 81 who resides permanently in the United Kingdom.

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