Double indemnity is defined as a clause in the life insurance policy that asserts that in standard life insurance, the insurance company will pay twice the amount of money stated if the death of the insured or assured results from an accident. Oftentimes, the providers of life insurance refer to an accidental death as a death that occurs specifically due to an accident and not a medical condition or natural phenomenon. The factors that bring about accidental death include murder, drowning, car accidents, or machinery. If the death comes as a result of suicide, murder by the beneficiary, death of negligence, acts of war, or extreme activities such as skydiving, the insurance will not take it into consideration as accidental.