Does Life Insurance Cover Disability? 
Pure life insurance plans cover death by any means including accidental and even suicide -LRB- although if it occurs during the first 2 yrs the policy is in effect payment consists of return of premium -RRB- . Some policies have disability riders -LRB- including AD&D -RRB- which may have some nominal value . If you need disability coverage you should purchase it separate from your life insurance . 