The Economic Times

Should you go for accidental death insurance despite having term insurance? Check this before deciding

Term insurance offers protection, but an accidental death rider provides additional payout. This rider is an optional add-on, not a replacement for base coverage. It specifically covers fatalities directly resulting from accidents like road or air mishaps. Individuals in high-risk occupations or frequent travelers should consider this rider. However, increasing base term cover is prioritized if existing life insurance is insufficient.