Accidental Death Insurance

Rate of accidental deaths is increasing day by day but human being cannot control them. It is better for everyone to plan to secure the future of their families or beloved ones in case of untimely accidental deaths. Accidental death insurance is a best way to make future of your family safe and sound. Accidental death insurance provides benefits in case a person meets an accidental death or suffers serious injuries or disability of any body part. In case of a death the insured money is paid to the beneficiary and in case of disability the insured gets a part of the sum. This insurance is only applicable to those deaths which are caused by accidents only, natural deaths occurred by various diseases and suicide deaths are not considered as accidental deaths.
Some insurance companies provide accidental death insurance in combination with life insurance as a separate rider. Many people purchase accidental death and dismemberment policies through their places of employment, though sometimes these policies are limited and may only cover injuries that occur at work. The premiums are usually small. Some companies provide accidental death or disability insurance with out cost to their employees.
If the insured died, the dependents should make a report to the police and get a death certificate. This certificate provides legal proof of the insured death to the insurance company. If the insured died in the hospital then you can get death certificate from the doctor
After the submission of death certificate the insurance company will grant the recipient a claim form to fill. When the process of confirmation is completed the insurance company will pay money to the beneficiary. This process will take 2 to 3 weeks depends on the efficiency of company and certification provider.