What Is The Difference Between Life Insurance And AD&D? 
The basic U.S. life insurance covers death by any cause at any time in any place -LRB- after a 1 or 2 year suicide exclusion period depending upon your state -RRB- whereas , an accidental death policy covers only one peril , death by a defined accident . Many insurance critics decry the use of the accidental death policy but accidents are the # 5 leading cause of death in America and the # 1 leading cause of death for folks 25 and under , so there is a viable need in the marketplace for this kind of policy . 