{"id":116454,"date":"2025-03-06T23:18:11","date_gmt":"2025-03-06T23:18:11","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/accidental-death-policies-be-careful-dallas-fort-worth-insurance-lawyer-blog-march-1-2025\/"},"modified":"2025-03-06T23:18:11","modified_gmt":"2025-03-06T23:18:11","slug":"accidental-death-policies-be-careful-dallas-fort-worth-insurance-lawyer-blog-march-1-2025","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=116454","title":{"rendered":"Accidental Death Policies &#8211; Be Careful \u2014 Dallas Fort Worth Insurance Lawyer Blog \u2014 March 1, 2025"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><a href=\"https:\/\/www.investopedia.com\/terms\/a\/accidental-death-benefit.asp\" target=\"_blank\" rel=\"noopener\">Accidental Death policies<\/a> are common. \u00a0The great thing about these types of policies is how cheap the premiums are. \u00a0A person can usually buy a million dollars with of coverage yet pay less than $50.00 a month in premiums.<\/p>\n<p>Here\u2019s there is a downside to this types of policies and it\u2019s a big downside. \u00a0These policies rarely pay!<\/p>\n<p>Accidental death policies almost always exclude death coverage when alcohol or drugs caused or contributed to the death. \u00a0The \u201ccontributed to the death\u201d is the operative language. \u00a0The same language deals with pre-existing health issues the deceased may have had. \u00a0The same language will deal with \u201cconditions of the body\u201d. \u00a0 And other language in the policy excludes almost all deaths except those deaths that result in an immediate death.<\/p>\n<p>There are many sections of the Texas Insurance Code that deal with insurance policies in general and Accidental Death policies specifically.<\/p>\n<p>In addition to other requirements that the <a href=\"https:\/\/www.tdi.texas.gov\/\" target=\"_blank\" rel=\"noopener\">Texas Department of Insurance<\/a> may establish, individual accident and sickness insurance policies must include provisions regarding:<\/p>\n<ul>\n<li>terms of renewability<\/li>\n<li>initial and subsequent conditions of eligibility<\/li>\n<li>non duplication of coverage<\/li>\n<li>coverage of dependents<\/li>\n<li>preexisting conditions<\/li>\n<li>termination of insurance<\/li>\n<li>probationary periods<\/li>\n<li>limitations<\/li>\n<li>exceptions<\/li>\n<li>reductions<\/li>\n<li>elimination periods<\/li>\n<li>requirements for replacement<\/li>\n<li>recurrent conditions<\/li>\n<\/ul>\n<p>The accidental death policy must also define its terms, including but not limited to:<\/p>\n<ul>\n<li>hospital<\/li>\n<li>accident<\/li>\n<li>sickness<\/li>\n<li>injury<\/li>\n<li>physician<\/li>\n<li>accident means<\/li>\n<li>total disability<\/li>\n<li>partial disability<\/li>\n<li>nervous disorder<\/li>\n<li>guaranteed renewable<\/li>\n<li>noncancellable<\/li>\n<\/ul>\n<p>Further requirements regarding the form of the policy are outlined in the <a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/IN\/htm\/IN.1201.htm#1201.051\" target=\"_blank\" rel=\"noopener\">Texas Insurance Code, Sections 1201.051 to 1201.065<\/a>.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Accidental Death policies are common. \u00a0The great thing about these types of policies is how cheap the premiums are. \u00a0A person can usually buy a million dollars with of coverage yet pay less than $50.00 a month in premiums. Here\u2019s there is a downside to this types of policies and it\u2019s a big downside. \u00a0These [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":116455,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[29521,3767,6549,14667,4121,2538,11034,13466,7095,13992,11288],"dealstore":[],"offerexpiration":[],"class_list":["post-116454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-accidental","tag-blog","tag-careful","tag-dallas","tag-death","tag-fort","tag-insurance","tag-lawyer","tag-march","tag-policies","tag-worth"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Accidental Death Policies - Be Careful \u2014 Dallas Fort Worth Insurance Lawyer Blog \u2014 March 1, 2025 - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=116454\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accidental Death Policies - Be Careful \u2014 Dallas Fort Worth Insurance Lawyer Blog \u2014 March 1, 2025 - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Accidental Death policies are common. \u00a0The great thing about these types of policies is how cheap the premiums are. \u00a0A person can usually buy a million dollars with of coverage yet pay less than $50.00 a month in premiums. 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