While longevity rates have improved drastically in the last century, there's no doubt that living in the world today is still fraught with peril. In just the last year, over 32,000 people lost their lives on America's roadways according to the latest crash reports from the National Highway Traffic Safety Administration. Yet, this number accounts only for traffic deaths. People lose their lives in work-related accidents and other tragedies daily making accidents one of the leading causes of death in the US. This fact alone is a powerful reason to consider adding an Accidental Death Benefit rider to your life insurance policy.