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Information on accidental death insurance

Accidental death insurance is designed to look after a person's family in the event of that person's sudden accidental death. This offers peace of mind to you that in the event of an accident, your family will be looked after with regards to paying the bills and covering funeral expenses. Accidental death insurance can be bought for as little as £2 a month, for a basic policy. Although some companies will require the person take a medical, many no longer have this as a requirement for people under a certain age.

Accidental death insurance would be paid to your estate in the event of your death. This means whoever administers the estate, usually the next of kin, will have control of where and what the money goes on. If you do not have a will in place, the money will automatically be paid to your next of kin or nearest available descendent if no next of kin is living. Aviva Insurance has an accidental death insurance policy that you can run along side other sorts of death insurance. They also allow a married couple to have joint cover, so both halves of the couple are covered in the event of an accident. Aviva also has special cover for children, but restrictions and regulations do apply.

Aviva insurance has not put the price of its accidental death insurance policies up in the last ten years, although it is not uncommon for policies to raise to meet inflation. This is worth bearing in mind when taking out an accidental death insurance policy, that it is possible your premium payments will increase over the term of the policy.

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