What Does Accidental Life Insurance Cover? 
There really is not a type of life insurance called Accidental Life insurance , although that is not a bad title because many people who buy it `` accidentally '' believe that it is Life insurance . Accidental Death insurance is a policy that will pay the beneficiary if the insured person dies as the result of an accident . Accidental death is death `` caused by an unforeseen circumstance unrelated to the body '' . Therefore , an accidental death policy would not pay , e.g. , for a traffic fatality that occurred due to a heart attack while driving . 