Employer-provided life insurance is helpful but limited. It’s best seen as supplemental, with personal policies serving as primary protection.

Many Americans receive offers for accidental death insurance riders promising extra protection in case of a fatal accident. But is it really worth the cost? This article breaks down the real CDC and NHTSA statistics behind accident-related deaths, explains what an accidental death benefit rider actually covers, and helps you decide whether adding one to your life insurance policy makes financial sense.