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Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage. We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally. We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes. Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship. We always strive to never veer from our values – C.A.R.E
Are You Properly Protected with Accidental Death and Dimemberment Coverage?

When it comes to having the right type of insurance, you need to make sure that you have accidental death and dismemberment.  Did you know that an accidental death takes place about every four minutes.  This makes this type of death the fifth most common type of death.  And while life insurance does provide benefits once the policyholder becomes deceased, accidental coverage provides extra benefits for deaths that are caused by accidents.  Best of all, to qualify for accidental insurance, there is no need to undergo any medical exams.  Plus, most preexisting medical conditions will not disqualify you from being able to buy a policy.  

It's also with accidental death and dismemberment coverage that your spouse and children can be covered, too.  This means if one of your children or spouse were to become injured or killed during an accident, you will be provided coverage to pay for their funeral as well as additional benefits that can be spent as you wish.  

There are many different types of coverage that you can have access to through an accidental death and dismemberment policy.  Some of the more common types of coverage include:

  • Return of remains
  • Loss due to disappearance
  • Loss due to coma
  • Felonious assault
  • Tuition reimbursement
  • Day care reimbursement
  • Critical periods payments benefit
  • Child loss

It is paramount that you don't assume you already have accidental death and dismemberment coverage through your regular life insurance plan.  While some policies do include these types of coverage automatically, there are many policies that don't.  To make sure you are properly covered with insurance, contact your local insurance agent today. 

Gordon O’Neill
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