- Quotes onlineFrom several insurance companies
- Apply onlineStart and sign the application online
- Licensed in CaliforniaInsurance license 6019379
- Questions?Call Wolf: (619) 382-3810
What it is
A benefit if death is caused by an accident.
Accidental death and dismemberment insurance pays a stated benefit if death or dismemberment is caused by an accident.
As a rider on a life insurance policy, an accidental death benefit pays an additional amount on top of the policy’s death benefit if you die from an accident. Insurance companies sometimes call these double or triple indemnity riders.
Things to know
- It pays only when the death is caused by an accident. It doesn’t pay for death from illness or natural causes.
- Check how the policy defines an accident. There are some restrictions.
- Coverage, price and approval are decided by the insurance company.
How it works
- 1
Get quotes
Enter a few details on Wolfcrest’s quote page and see quotes from several insurance companies.
- 2
Apply online
Start the application online and sign it electronically.
- 3
Get help when you want it
Call Wolf at (619) 382-3810 with questions at any point.
Online quote
See quotes and apply online.
See life insurance quotes from several insurance companies and start an application online, on Wolfcrest’s quote page with our life insurance brokerage partner, BackNine.
The quote opens on BackNine’s website, our life insurance brokerage partner. Details you enter there are handled by BackNine and shared with Wolf as your agent. If you request a quote, a licensed insurance agent may contact you.
FAQ
Questions people ask
Does it pay if death is caused by an illness?
No. It pays only when the death is caused by an accident.
How is an accidental death rider different from my life insurance?
The rider adds an extra benefit on top of the policy’s death benefit, and only if you die in an accident.
Can I return a policy after I buy it?
Yes. In California a new individual life policy gives you a period to review it and return it for cancellation, between 10 and 30 days, and at least 30 days for seniors. Your policy states the exact period.
Other types of life insurance
- Term life insuranceCoverage for a set period of time. Most term policies don't build cash value, and the cost of term insurance goes up as you get older if you renew.Learn more and get a quote
- Return of premium term life insuranceA term life policy that refunds part or all of the premiums paid if you outlive the term and no death benefit is paid. These policies tend to cost more because of the possible refund.Learn more and get a quote
- Whole life insuranceDesigned to cover you for your entire lifetime. Part of what you pay builds a cash value, which is often low in the early years and builds later on.Learn more and get a quote
- Universal life insuranceFlexible premiums, including guaranteed universal life and indexed universal life. If the cash value reaches zero, the policy could lapse.Learn more and get a quote
- Final expense life insuranceSmaller policies meant to cover funeral and burial costs. They can be expensive compared to other life insurance, and some won't pay the full amount if you die before paying a required amount.Learn more and get a quote
- Long-term care insuranceDesigned to pay or reimburse covered long-term care costs, like help with everyday activities. Medicare doesn't pay for long-term care.Learn more and get a quote
Sources: NAIC glossary of insurance terms · NAIC, life insurance · California Department of Insurance, life insurance guide · Texas Department of Insurance, life insurance guide. Coverage, price and approval are decided by the insurance company.
Important information
- If you request a quote, a licensed insurance agent may contact you.
- Insurance: Coverage, price and approval are decided by the insurance company.
- Quotes open on BackNine's website. Details you enter there are handled by BackNine and shared with Wolf as your agent.