Why I’m Considering an Accidental Death and Disability Insurance Policy

That’s got to be one of the most morbid blog post titles ever: “Why I’m Considering an Accidental Death & Disability Insurance Policy.”

Even though it’s not a fun topic, it’s something parents should consider.

Disability Insurance, Accidental Disability Insurance, Accidental Death Insurance

I’ve shared how I feel like we may need more life insurance especially since I’m a stay at home mom. Even though I don’t have comparable income to my husband, my “duties” as a mom would cost him a lot to replace if I died suddenly.

Just as I was having this dilemma, my insurance company sent me a pre-approved policy for an accidental death and disability insurance policy. My husband and I could get additional coverage at a very reasonable rate.

Here’s why I’m considering it. We are all healthy. Thank God. But those car accidents you see on the news or read about in the paper could happen to us. Since I don’t have an employer, if I was disabled in an accident I wouldn’t have any coverage. While I was recovering, who would take care of our son? Who would take care of me?

A recent story in Atlanta that really drove this point home for me was a woman who was hit by a drink driver. Both of her legs were broken, along with other injuries. The woman was unemployed and due to mounting medical bills she had to move in with her parents.

Have you asked your insurance agent about accidental death and disability protection?

I’m going to do some more research to see how the rates and restrictions compare to the offer I received.

My recommendation: start talking life insurance and your coverage needs as you get married, move in together or start your family.

Disclosure: This post and background material are presented by Genworth Financial 

where you can learn more about mortgages and planning ahead for your family’s future. 

All thoughts & opinions are 100% my own.

About Joyce Brewer

Creator & Host of Mommy Talk Show. Emmy award-winning TV journalist.Wife & Mommy; Mom Blogger; Social Media Coach; Long Island, New York transplant living in Atlanta, GA. Follow Joyce on Twitter @MommyTalkShow Author of Use What You Know: A Business Idea Guide for Moms featuring interviews with mompreneurs who created businesses using their skills & backgrounds.

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  1. I agree to replace MOM, it would cost a fortune!

  2. It’s such a scary topic, but one that definitely needs to be addressed by each and every family. You are right, if something happens to the Mom, that is a lot it would cost to get someone that could fill just a FEW of her roles.

    And then you think about if the mom needs treatments, and therapy, and all the medical bills that come with helping her recover is astronomical.

    And accidents happen. I’m in good health, but so are many others when they are killed by a drunk driver or in an automobile accident.

  3. Ignoring the subject doesn’t make it go away. We have to hope for the best and prepare for the worse, so you’re doing the right thing by getting the right coverage.

  4. I’ve been paying for a private policy for years, and am so glad I purchased it while I was still healthy.

  5. I am thankful we have good insurance coverage to ensure everything and everyone would be taken care!

  6. After you check rates, remember to check moodys and standard and poor’s for their ratings on life insurance companies. Remember, you get what you pay for. You don’t want your spouse fighting for what you left him because the agent didn’t do right by you.

  7. I know this is a hard subject to speak about let alone even think about but preparing for it is a must! I have had mine set in place for years. I want the kids and family to not worry about anything. We all have coverage!

  8. We’ve been meaning to do this for a while a starting getting quotes a couple of months ago. Definitely in 2013 we will have life insurance and an advance directive.

  9. Extremely good food for thought and then action! Thanks.

  10. SAHM full or part time are such an immeasurable resource!!

  11. This was a really good article. We are more likely to be hurt than to die so accidental death and disability insurance is a really wise decision and many of us don’t think about it in advance. But if something happens a mama, her work around the house needs to be done and the insurance policy can pay for help while you recover. Thanks for giving us all information we need to use!

  12. It is also a good idea to revisit your current life insurance policies to see what it includes and if it is possible to add a rider or an additional benefit then getting a completely new policy. Many times these features are available with a little digging. Getting an entirely different policy may cost you more down the line.

  13. This is a great topic. All of us should be thinking about how our families would continue in the event of our death or disability. It is important to begin with the end in mind.

  14. This is a hard thing to think about sometimes, but so very important when you or your family is in the position to need it. I got a first-hand view of this after watching my mother after my grandmother’s death this year dealing with the costs of burial expenses alone. As morbid as it may sound, death is one of life’s few guarantees, so it only makes sense to be prepared for it.