Does Life Insurance Cover Natural Death? 
Yes , unless it is an accidental death policy . That is why you buy life insurance , Life insurance will general cover a death by any means not specifically excluded in the policy . For example most life policies have a two year suicide clause , they would not pay for suicide within two years of taking out the policy . Most would not pay if a person is killed while committing a crime . Some will not pay for someone killed fighting in a war . There is a two year incontestability clause which allows the insurer to deny a claim if a client lies on an application and dies within two years . All of these are spelled out in your policy . 