This offer is no longer available. If you are looking for life insurance, I recommend checking out Fabric. Fabric is an online life insurance company that offers affordable policies and a simple application process.
My friends at Harmonic partnered with Making Sense of Cents to offer a $10,000 accidental death insurance policy at no cost, as an incentive to help readers build a personal safety net.
I signed up myself to test the process and see how it works.
Why is it free?
Harmonic is offering this policy to increase awareness of their services. This was arranged as a special benefit for readers of Making Sense of Cents. Eligibility requires U.S. citizenship.
Harmonic’s CEO, Andrew Drake, explains: “We’ve started a community for people who want to live well in retirement and bounce back from diseases, accidents or other unexpected curve balls that life throws at us. We call this building your family’s Safety Net. Harmonic members will build their own and we will help where we can.”
Harmonic sees readers of Making Sense of Cents as ideal candidates for their community because you’re already taking steps to manage your financial future.
Signing up to claim the policy used to take less than five minutes.
Below are answers to common questions you may have.
Can you have more than one insurance policy?
Yes. You can hold multiple insurance policies at the same time. This particular policy specifically covers accidental death—events like car crashes or other unintentional injuries. Accidents are the leading cause of death for people ages 1–44, according to government data.
If you already have life insurance through your employer, this accidental death policy can serve as an additional layer of protection. It’s an easy way to provide more coverage at no cost to you.
If you don’t have any life insurance, this complimentary accidental death policy is a sensible, no-risk option to increase your protection.
Who needs life insurance?
Because this $10,000 accidental death policy was offered at no cost, it was recommended for everyone to consider signing up. Whether you’re single, have a family, or support others financially, adding coverage for accidental death presents a low-effort safety measure.
Roughly half of people in the U.S. don’t carry life insurance. Many rely solely on employer-provided benefits, which are often insufficient. If you want meaningful protection for your family, you usually need coverage beyond what an employer provides.
Life insurance exists to provide financial support to your loved ones if you pass away. For primary earners, life insurance proceeds help cover funeral costs, ongoing bills, and outstanding debts. The core question is simple: if you were gone tomorrow, how would your family manage the bills? Life insurance helps answer that question.
The primary purpose of life insurance is to protect those who depend on you financially so they can focus on grieving and rebuilding without facing immediate financial hardship. There are many additional reasons people choose life insurance, but financial security for dependents is the most common.
Do you have life insurance? Why or why not? Did you sign up for this $10,000 accidental death insurance policy?