Does Life Insurance Cover Natural Death? 
Yes , Life Insurance does cover natural death . When you fill out a life insurance application , it will ask about certain health conditions -LRB- unless it is a guaranteed issue policy , which does not ask about your health -RRB- . If you answer those questions truthfully , and take the required exam , and are approved for your policy , your policy will pay the death benefit even if you pass away from an existing health condition . 