What is Accidental Death Insurance?

Accidental death insurance is an easy and cost-effective alternative to life insurance that pays your estate a benefit upon your death, if resulted by an accidental injury. It differs from life insurance because you will not be paid a benefit if the cause of death is an illness. Therefore, we don’t recommend you replace your life insurance coverage with accidental death if you have one in place. We simply recommend adding it to your existing cover.

Aspect Underwriting offers one of the best online Accidental Death Insurance Policies in Australia. We pay a lump sum to your estate or beneficiary if you are to pass away due to an accidental injury. Accidental death cover is significantly cheaper than life insurance because it only covers injury. Generally, the sum insured would be in the range of $100,000 to $1,000,000 depending on your circumstances.

You can get an accidental death insurance quote online in minutes, purchasing it on your mobile or computer from anywhere in the world (provided you’re an Australian citizen). Issued on behalf of underwriters at Lloyd’s, Aspect’s Accidental Death Insurance Cover is a well-researched and managed product. Whether you’re a blue-collar, white-collar, self-employed or anything in-between – this cover is available to all. Get a quick customised accidental death insurance quote online now and start planning your family’s future with the experts.


  • We cover sums in the range of $50,000 to $1,000,000.
  • Easy-to-understand and intuitive Accident & Health cover builder.
  • From a free quote to fully covered in under 10 minutes, no phone calls or meetings required.
  • Our products covers a wide range of occupations.
  • No need to go for medical or other tests to purchase your cover.
  • Can be purchased stand-alone or combined with other products.
  • Available for individuals below 70 years of age.
  • Express claims processing services.


The cost of Aspect UW Accidential Death Insurance Cover depends on your circumstances and the sum you want to insure. Find out how much it would cost you based on your individual circumstances by using our free online Accidental Death Insurance Cover builder in under 10 minutes.


  • Coverholder at Lloyd’s, the world’s specialist insurance market
  • Personalised, friendly service.
  • From a quote to fully covered in under 10 minutes, no phone calls required.
  • We provide tailored Accident & Health insurance products.
  • no annoying sales staff!


  • Accidental Death
  • Inclusions &
  • Combine
    These Addons

Accidental Death

Life is uncertain, and you never know what the future will bring. What if you get involved in an accident and lose your life?

Your family will need both emotional and financial support during this time, and though you may not be there to support them emotionally, you will have set them up to be supported financially.

Accidental death cover is an excellent insurance product for younger Australians to consider, as they are the most at risk of passing away due to an accident.

Applying for accidental death cover online is simple, and acceptance is guaranteed. Stay smart, take action today and ensure your family’s financial stability – no matter what happens.

Inclusions &

When purchasing an Accidental Death insurance policy, you need to be aware you will only receive the benefits if the insured person passes away from an injury sustained, within 12 months from the date of the accident.

Aspect’s Accidental Death Insurance does not provide cover if the death occurs from illness or any expected or predictable events including but not limited to:

  • Illnesses
  • Suicide or self-inflicted injuries.
  • An accident that is caused by the insured’s deliberate act or intention.
  • Infectious diseases
  • Misuse or abuse alcohol and/or drugs.
  • Acts of war or terrorism.
  • Professional sports.

Read the complete list of exclusions by downloading the Aspect Accidental Death PDS here.

These Addons

Aspect’s Accident & Health insurance products give you the option to get a customised quote that fits your needs. Our intelligent cover builder provides you with the flexibility to get a quote for a standalone Accidental Death cover ; combine it with any of the following products or get a quote for the complete package and purchase it to protect your family’s financial security during difficult times:

Income Protection Insurance

Income protection insurance is a product that replaces your income if you are temporarily unable to work due to illness or injury. Most policies will provide you with a fortnightly or monthly benefit payment of up to 75% (some up to 85%) of the income amount you’ve insured. This can also be customised to include an additional benefits bundle, by paying an additional premium, for benefits such as overseas assistance, child’s trauma and housekeeper benefits.

Trauma Insurance

Trauma insurance provides you with a lump sum payment, payable on diagnosis, if you suffer a serious medical condition like a heart attack, stroke or cancer. A trauma benefit is typically used to pay off immediate medical bills, rehab expenses, replace income and assist with your ongoing costs, protecting you against future debts and time away from work. The sum insured could range from $50,000 to $500,000, depending on whether it’s a standalone cover or purchased in conjunction with other products.

Total & Permanent Disability Insurance

Total and Permanent Disability insurance pays you a lump sum amount if you suffer from a severe illness or injury that restricts you from working permanently. Aspect TPD cover is available for wide range of occupations. Whether you are in a white blue-collar worker, we cover the majority of professions. Insure for up to $1,000,000 benefit cover.


Provide notice to us of any accident as soon as possible.

Submit your claim form and supporting documents.

Frequently Asked Questions About Accidental Death Cover

The major difference between an accidental death policy and a life insurance policy is that life insurance will pay out if you pass away from either an injury or an illness (also known as ‘death by any cause’). Accidental death insurance only pays out if the cause of death is an injury.

Yes & No. Personal accident insurance is a broader product description that includes accidental death insurance. Personal accident can cover Income Protection, TPD & Trauma too. However, accidental death insurance provides a benefit to your beneficiaries/estate should you pass away in an injury.

You must understand that accidental death insurance may not provide all the cover you need for your circumstances. For example, if you die because of a pre-existing condition or an illness, your estate will not receive a benefit. So, you should always read the product disclosure before you acquire any cover and/or discuss it with an insurance adviser before purchasing.

Australians aged 18 to 70 can take out Accidental Death Insurance. Please see our Product Disclosure Statement for a more detailed eligibility criteria.

The maximum amount of insurance you can be covered for varies depending on your age and profession. Typically, the sum insured would be in the range of $50,000 to $1,000,000, depending on your circumstances. The Aspect intelligent cover builder will inform you of the amount you can be insured for based on the details you provide. Use this free tool to start building your cover now and access the amount you can insure. Once you enter your details, you will receive a no-obligation accidental death insurance quote in your email and will be provided with the option to discard, edit or purchase it.

Whilst income protection premiums are tax-deductible, accidental death premiums are not.

Your primary beneficiary or estate receives the benefit of your accidental death insurance.

Yes, you have the right to change the beneficiary. To change beneficiary, you will have to contact us and let us know in writing. Once processed, the name of the new beneficiary will be reflected in your policy documents.

Your cover begins from the day you purchase the Accidental Death cover.




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    Disclosures & Important Notices:

    The advice provided on this website does not take into account any of your personal objectives, your financial situation or your needs. For this reason, before you act on the advice you should consider its appropriateness, taking into account your own objectives, financial situation and needs. Before you make a decision about whether to acquire any Aspect Products, you should obtain and read our Product Disclosure Statement (PDS). This PDS contains terms, conditions, and exclusions about our A&H insurance products. If necessary, please seek advice from a Financial Adviser or a qualified Insurance Professional before deciding on appropriate insurance cover.

    As prescribed by the Australian Government and as required under the Insurance Contracts Act, we advise you go through the Key Facts about your Personal Accident & Illness Policy here.

    We would also like to draw your attention to our Important Information provided here. You must be aware of this information when entering into the initial insurance contract, and when reinstating, or varying that insurance contract.

    Our financial service guide (FSG) contains important information about the services we offer you; how we and our associates are paid; any potential conflicts of interest we may have; and what to do in the event of a complaint. Find Aspect Underwriting FSG here and Aspect Broking FSG here.

    The Trustee for Wallis Family Trust t/as Aspect Broking is a Corporate Authorised Representative (CAR No. 1247437) of McLardy McShane Partners Pty Ltd; AFSL 232987, ABN 14 064 465 309. At McLardy McShane Partners Pty Ltd, we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth) and the Australian Privacy Principles. Read the Aspect Broking privacy policy here.