The accidental death of a child is devastating. Accidental death is the leading cause of death among children and adolescents.

From birth to 1 year of age, babies can die from sudden infant death syndrome (SIDS), genetic conditions which are present at birth, and health conditions associated with prematurity. From 1 to 4 years of age, accidents rear their ugly head as well as genetic conditions that were present at birth, and cancer. From kindergarten to 14 years of age, accidents again are the number one cause of death than cancer and homicide. From 15 years of age to 24 years old, accidents again are the number one cause of death, then homicide and suicide. There are almost twice as many deaths in the first year of life than there are in the next 13 years total.

Car accidents account for the largest numbers of accidental death of a child. Infants and children should use the proper child car seats, booster seats, and seat belts. Other top causes of an accidental death of a child are drowning, fire, falls, and poisoning.

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Accidental death insurance is a rider on a basic life or health insurance policy. Its name states exactly what it covers; accidental death and dismemberment insurance, but there are limitations of the coverage. These limitations may be a deciding factor for many on whether or not to add it to your existing life or health insurance policy.

The first thing to consider is whether or not accidental death and dismemberment insurance is a good deal for you. What is the likelihood you will have to make a claim? If you have health and life insurance already, you should be covered.

Proceed with caution: Accidental death insurance is a very limited form of insurance.