Regular Life Insurance policies cover the loss of life due to accidental or natural sickness, but there is no coverage for accidental dismemberment. 24-Hour Accident Protector provides lump sum cash benefits for a person who is alive but has lost certain parts of the body due to an accident.

Premiums ages 16-64 for loss of life and dismemberment: 

White collar (e.g. executives, accountants, lawyers):

$1.20 per $1,000 coverage

Blue collar (e.g. superintends, engineers, forepersons):

$1.80 per $1,000 coverage

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For double indemnity:
add 20 cents per $1,000

For dependants: add 55 cents per $1,000

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Example - $250,000 coverage: 

White collar with double Indemnity:
(1.20 + 0.20) = 1.40 x 250 =
$350 annual premium

Blue collar with double indemnity:
(1.80 + 0.20) = 2.00 x 250 =
$500 annual premium