Your Life insurance policy can be backed with riders which give you more benefits. You can add a critical illness rider to a basic endowment or a money back plan. Besides this there is an Accidental death benefit rider which one can avail.The benefit of this rider is it gives a sum assured to the survivors of the policyholder in case of death of the policyholder due to an accident However, this benefit is paid to the nominees only if the death occurs to the policyholder within 90 days of the accident.
This kind of cover can take care of the unexpected financial loss caused by an accident of the policyholder. His family members can get help from these funds to take care of their needs or any other kind of liability left behind by the policyholder.

In an accidental death benefit the additional amount equivalent to the basic sum assured would be paid even if the death occurs other than in a rail, road or an air accident. The death need not be only while traveling even if the policyholder falls from a staircase or any other kind of mishap at home the dependents are still liable for the amount. The additional amount in this case is equivalent to the basic sum assured and is not variable.

Since we cannot fore see any kind of mishap or accident which causes a loss to family both emotionally and financially. As for the emotional loss cannot covered but the financial loss can be taken care of by an Accident death benefit rider