What Constitutes Accidental Death For Life Insurance? 
For life insurance , accidental death would be the result of anything sudden and unexpected that caused the death of the insured . An automobile accident is an example as well as a plane crash . Certainly a death caused by the accidental discharge of a firearm would be considered as accidental . That would be contrasted with a death by suicide which would not only not be considered accidental , but woudl be a reason for the isuring company to deny paying the proceeds of the policy . A death caused by a genuine accidental overdose or unknowingly combining of medications that together can cause harm could certainly be an example of accidental death as well . 