Is Accidental Life Insurance Worth It? 
Accidental Life Insurance -LRB- usually called Accidental Death and Dismemberment Insurance -RRB- is relatively inexpensive because death due to accident is relatively infrequent . If you were on a very tight budget where you had to choose between Life insurance or Accidental Death insurance , I would suggest owning a small Life insurance policy would be worth more than having a large Accidental Death policy , because the chance of passing due to illness is so much greater than the chance of dying accidentally . However , if you are not on a very tight budget , the low price of Accidental Death insurance makes it a somewhat painless addition to one 's Life insurance portfolio . 