Does Accidental Life Insurance Cover A Heart Attack? 
Accidental Life Insurance policies are more of a lottery ticket than real life insurance . They will ONLY pay a claim if you die as the result of an accident . And MOST people do NOT die of accidents . A heart attack is not an accident . The policy wo n't pay for that . If you have a real NEED for life insurance , you need it regardless of how you die . Do n't buy foolish things like accidental policies unless you are only considering it in addition to your real life insurance . 