Is Accidental Death Insurance The Same As Life Insurance? 
No it is two separate things . An accidental death policy also called AD&D -LRB- Accidental Death and Dismemberment -RRB- only pays a benefit to the beneficiary if theinsuredis killed accidentally . These policies are usually very inexpensive and guarantee issue underwriting . A full life insurance policy covers all types of deaths including accidental death . The only exception is on suicide which all most all policies have a two year exclusion for that cause of death . An accidental rider can be added to most life insurance policies very inexpensively to double the face amount in case of an accidental death as well . 