What Type Of Death Does Life Insurance Cover? 
Life insurance can cover death in one of two ways : 1 -RRB- Full coverage 2 -RRB- AD&D Full coverage means that the life insurance policy will pay out a death benefit regardless of whether death occurs by illness -LRB- including old age & natural causes -RRB- or injury . This is the most common type of life insurance that is purchased because a person is much more likely to die due to illness than they are by an injury -LRB- e.g. car accident or a plane crash -RRB- . AD&D is short for Accidental Death & Dismemberment . This kind of life insurance , while typically cheaper than full coverage , only pays out a death benefit if death occurs due to injury -LRB- the types of injuries that are covered may be outlined in the plan as opposed to general language -RRB- . Given that the average person is much more likely to die due to illness than they are from injuries , full coverage is a much more desired option for people . If a person dies by illness and has an AD&D policy , this coverage will not pay out a death benefit . It 's important to consult with an experienced life insurance broker to compare your options and help you determine the type , amount , and length of coverage that will be most suitable to your needs and budget and which carrier can offer that coverage at the lowest rates . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 