This extra insurance called “Accidental death & disability rider” helps if the insured has a permanent disability or dies unexpectedly from an accident. It’s useful if you work in a high-risk job, do extreme sports or travel often. It helps you pay for medical expenses, lost income because of the accident, lump-sum payment for costs, or funeral costs.

This extra protection doesn’t cost a lot of money, and it’s not complicated to add to your other insurance. It’s an excellent way to invest in your safety and be less worried about what could happen.