Is Accidental Death Insurance The Same As Life Insurance? 
No . Accidental death insurance pays only if you die from a specified , defined accident whereas the basic life insurance policy covers death by any cause , at any time in any place - except for suicide within first 2 policy years -LRB- 1 year in some states -RRB- . Accidental death insurance does serve a purpose , especially for young people because accidents are the leading cause of death for young people . Many accidental death policies for children are not available to applicants 15 years or older due to the huge and deadly track record of teenage drivers . 