An insurance company classifies an accidental death benefit on a life insurance policy as a death benefit paid out if the insured person dies as a direct result of an accident.
This benefit is typically triggered when illness, natural causes, or any policy exclusions is not the cause of the death. The specific criteria for qualifying as an accidental death may vary among insurance companies, but it generally involves an event that is sudden, unforeseen, and unintended. The policy will outline the conditions, timeframes, and limitations associated with the accidental death benefit.