What Types Of Death Does Term Life Insurance Cover? 
That is an excellent question ! All policies will have some rules about suicides and questionable deaths during the first two years of the policy , but after that will rarely make any kind of restriction on the cause of death . The type of policy that does is called an Accidental Death Policy , and those policies have very strict limits on what they will pay out for . Nothing health related will pay , unless it was a direct result of an accident , and occurs within a specific time frame after the accident . Insurance companies like marketing these policies as they are big money makers for them , but really should never be considered for someone 's primary coverage . Thanks for asking ! 