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Accidental Death vs Life Insurance

Post image for What is the Difference Between Accidental Death and “Regular” Life Insurance?

Accidental Death Insurance vs Life Insurance   There is a huge difference between owning an accidental death policy (also called accidental death and dismemberment policy if the policy includes living benefits) and having a standard “life insurance policy” such as term or permanent life insurance. Accidental death policies only pay out the death benefit you if you die as result of an accident. Typical classifications of accidents include but are not limited to: auto accidents, poisonings, falls, fires and chocking. Deaths from natural causes such as heart disease, cancer and old age are not covered under an accidental death policy. […]