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Final Expense Insurance

Does final expense insurance cover accidental death?

Yes, in nearly all cases final expense insurance pays the full death benefit for accidental death, even on guaranteed issue policies still within their graded waiting period, where natural causes might otherwise pay a reduced benefit.

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This means beneficiaries typically receive the full face amount from day one if death results from a covered accident, subject to the specific policy's terms.

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Reviewing the policy's exact accidental death provisions with an agent before you buy ensures there are no surprises later.

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