What Is Accidental Life Insurance? 
Accidental death insurance is never a substitute for life insurance . It is a very limited policy that provides a death benefit if an insured dies by accidental means . This insurance is often attached to a credit card as a promotional item . The policy frequently provides benefits for dismemberment as well . Many auto policies can have accidental death insurance included at a small charge . The frequency of claims is quite low but the premium is also quite low . 