Accidental Death Insurance

The extra protection you need for your loved ones

Why Lumico Accidental Death?

Accidental Death insurance is designed to financially protect an insured's beneficiaries in the event of their death due to bodily injury caused by an accident such as a car crash or a work injury. Accidental Death insurance only pays out in certain instances of death by accident, but not for natural causes or illnesses.
Lumico Accidental Death insurance is a simple protection solution for you and your loved ones.

Available as a rider or standalone


Guaranteed issue1


Affordable coverage

Product Specifications

Issue Ages

18-59 (age at last birthday) 

Minimum face amount


Maximum face amount


Policy Expiry

Age 80

Premium frequency

Annual, semi-annual, quarterly, monthly

Rider options

Not Available


The policy covers death due to accidental bodily injury caused by an accident while the insurance is in-force. The death must occur within 180 days* after the date of the accident, directly and independently of all other causes

*The 180-day period applies to all Lumico approved states except PA. For complete details of the coverage, please contact your insurance agent.

This is an accident-only policy that does not pay benefits in the event of a non-accidental death, this is not a Life Insurance policy.

For complete coverage information, download a copy of our Accidental Death fact sheet.

Did you know?

Some of the most
common types of
are caused by

Car accidents





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For help with your Accidental Death insurance policy,
please contact our life insurance customer care team on 1-866-440-4047.

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