What Does Basic Life Insurance Cover? 
That is a great question ! Your basic life insurance policy will cover any reason for what may cause your demise . Something like an accidental death policy is n't so good , as you have to pass from or as a result of , an accident . So you have a heart attack - your life policy would pay , your accidental death policy would not . You get bitten by a spider , have an allergic reaction , and meet your maker , life pays , accident does n't . You get into a car wreck , both would pay . I hope that helps , thanks for asking ! 