Could you use Accidental Death Coverage that does the following?

• Offers affordable accidental death protection that doubles in 20 years.

• Provides guaranteed level premiums over 20 year period.

• Provides a return of 20 annual premiums in year 20.

• Is guaranteed issue if you have a good driving record and have not been involved in hazardous avocations.

• Available in 3 amounts: $50,000, $75,000, $100,000.

• Issue ages 18-60; only one rate for all ages either sex.

• Sample for $100,000 of coverage:

  • Annual Premium = $245
  • Coverage increases each year: doubles to $200,000 in year 20
  • Return of premium in year 20 = $4,900