What Is The Difference Between Accidental Death And Life Insurance? 
With the exception the insured dying at the hands of the beneficiary , the insured committing suicide in the first two years of a policy , and any contractual war clause exemptions ; life insurance pays the death claim whether by accident , disease or natural causes like old age . Accidental death or AD&D -LRB- accidental death and dismemberment -RRB- pays only accidents not disease . AD&D is less expensive because the actuarial accidental death statistics are so much lower than death caused by disease . 