This one is kind of funny.So let’s say you’ve JUST filed the papers for your insurance, but it hasn’t come through yet. You’re in insurance limbo not knowing if you’re actually covered.And then something tragic happens.A vat of beer in a nearby brewery explodes, and you’re swept away and perish. (This is based on actual events. Google ‘the London Beer Flood’.)Technically you’re not covered, but if you have Accidental Death Benefit you’re automatically covered for up to €150,000 should you die in an accident.All the insurers offer it, except for Royal London.If you think there’s going to be a long wait for medical reports, then this benefit is worth considering.