Will Life Insurance Cover Accidental Death?

Yes, standard life insurance policies usually cover accidental death.

Unless there is a specific exclusion stated in your policy, death resulting from an accident should be covered.

Normally, life insurance provides coverage for death by natural causes and accidents.

However, if you regularly take part in high risk activities, or you have a high risk job, the insurance company may apply an exclusion to your policy for death resulting from these activities - so review your coverage closely and understand all exclusions to your policy.

Keep in mind, life insurance does not cover intentional acts such as suicide. Normally, there is a two year suicide exclusion (one year in some states).

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