Accidental Death Direct Overview

  • No Medical Exam
  • No Health Questions
  • Guaranteed Renewable for Life
  • Up to $500,000 in Coverage
  • Can Cover Dependent Children Under Age 261
  • Guaranteed Issue for Ages 18 to 80
  • Up to Triple Benefits for Common Carrier Accidents in most states. Double benefits in FL and VA.
  • Living Benefits for Non-Fatal Injuries, such as Loss of Limb, Vision or Hearing, Burns, or Paralysis2
  • Single, Lump-Sum Payout of Benefits, Federal Income Tax Free, Based Upon Current Tax Laws

1 - Benefits and exclusions may vary by state
2 - Can cover Dependent Children Under Age 26
2 - Living Benefits for Non-Fatal Injuries, such as Loss of Limb, Vision or Hearing, Burns, or Paralysis
2 - 50%-100% of Benefits for Burns, Paralysis and Loss of Limb, Vision or Hearing

Guaranteed Renewable for Life

An Accidental Death Direct policy is guaranteed renewable for life. This means that you may continue the coverage for life by paying premiums when they are due. Premiums may be changed, but only on a class basis, not based on your individual claim history. We will notify you in writing before any such changes go into effect.

American General Life Insurance Company will not add any restrictive riders or endorsements. Your premiums would be based on your age when the coverage takes effect.

Guaranteed Satisfaction!

If you are not completely satisfied with your policy for any reason, simply return it within 30 days from delivery and your coverage will be cancelled and premiums paid refunded to you.



Accidental Death Direct Policy Features

The policy is a limited-benefit policy providing accident-only coverage. It does not provide coverage for sickness.

Helping to protect your family's financial future is not only the right thing to do, you can do it right now. Review the benefits below to see coverage amounts and benefit details. Make sure you also review the exclusions to get familiar with what is not covered by your accident insurance policy.

Accidents are generally defined as unforeseen and sudden physical events outside of your control involving things such as machinery, car accidents, poisoning, falls, suffocation, choking, drowning, and fires. These causes of Accidental Death generally are covered by Accidental Death Insurance. Accidental Death Direct also covers dismemberment (the partial or total loss of a hand, arm, leg, or foot) as well as paralysis, loss of hearing, burns, and blindness which result from covered accidents.

Accidental Death Direct generally does not cover injuries or deaths caused by surgery, mental or physical illness, drug overdose, bacterial infection, drinking and driving, suicide or attempted suicide, or those suffered while the insured individual is intentionally engaged in high-risk activities such as skydiving, car racing, or while at war.3

3 - Benefits and exclusions may vary by state.

Policy Features

  • No medical exam or health questions
  • Up to $500,000 in coverage
  • Can cover dependent children under age 26
  • Guaranteed available for ages 18 to 80

Accidental Death Direct benefits for accidental death are paid out in a single, full lump sum after the claim is processed. That means your family or other loved ones you designated as beneficiaries get the money all at once, when they need it the most. There are no installment payments to wait for, and best of all, it's federal income tax-free, according to current tax laws.

Policy Benefits

American General Life Insurance Company (American General) will pay the applicable benefit amount for the following covered losses:4

  • Accidental Death - 100% of face amount

  • Accidental Death Direct also provides what are called "living benefits" for non-fatal injuries suffered in certain types of accidents. Living benefits can be paid out for injuries including paralysis, the loss of an arm, hand, leg or foot, loss of hearing, burns and blindness.
    • Dismemberment benefit - between 50-100% of face amount depending upon loss.
    • Paralysis benefit - between 50-100% of face amount depending upon loss; 30-day elimination period applies.
    • Vision Loss benefit - between 50-100% of face amount depending upon loss.
    • Hearing Loss benefit - 100% percent of face amount if the insured incurs total hearing loss as a result of a covered accident.
    • Burns benefit - 100% of face amount if the insured suffers burns on at least 20% of the body as the result of a covered accident.
  • Common Carrier Benefit - triple5 the applicable benefit
    • With the common carrier benefit, the policy pays triple your face amount for a death or triple the applicable benefit for an injury that occurs while you are riding as a fare-paying passenger on a common carrier. Common carrier means a taxi, school bus, streetcar, bus, train, ship, ferry, or airplane which is duly licensed by the proper authority for the sole purpose of transporting public passengers for a fee. This benefit extends to all those insured, not just the policyholder.
  • Benefits are payable per accident for an Insured Person who sustains an accidental injury:
    1. if the Insured Person's loss occurs within 90 days following the accidental injury that causes that loss, and
    2. if the Insured Person's Accidental injury results in care within 90 days after the Accidental Injury is sustained; and
    3. if the loss conforms to all policy definitions, provisions and exclusions.

Generally, a death must occur within 90 days of the accident in order to qualify under the policy. Death that occurs after 90 days or is not directly the result of an accident is not covered by the policy.

4 - Benefits reduce by 50% on the policy anniversary after age 70 or 5 years from the effective date, whichever provides longer period of coverage. So, if you purchased the policy at the age of 69, you'd still have full coverage until you are 74. Also, the maximum benefit for policyholders between ages 70 and 80 is $250,000.

5 - Double benefits in FL and VA.


You can always change your designated beneficiary or name additional beneficiaries to your policy at a later time. Once you have purchased a policy, you will be emailed a link to the web site where you can make these changes.

The summary above is a general overview of Accidental Death and Dismemberment coverage issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas, 77019 (American General) policy number 12100 (Accidental Death Direct). This summary is not a policy and provides no coverage. Please read your policy carefully to ensure you understand all the features, benefits and coverage terms. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General are its responsibility. American General does not solicit business in the state of New York. Policies not available in all states.