Does Accidental Life Insurance Cover A Heart Attack? 
Accidental Life Insurance will only pay if the death was the result of an accident , it will not pay for a death due to natural causes . In most cases an accidental death is the result of some physical injury or trauma . Examples would be death from a car accident , falling off a roof , or being shot . Normally a heart attack would be the result of a medical condition -LRB- natural causes -RRB- and not the result of an accident . That being said , it is possible that a person could die of a heart attack that was the result of an accident . There could be a case where a person was skydiving and unable to open there parachute . This realization could trigger a heart attack causing the person to die before hitting the ground . This would be a case of a heart attack caused by an accident , not caused by natural causes . 