What Type Of Death Does Life Insurance Cover? 
A standard life insurance policy whether it is whole life , universal life or term covers all causes of death . The only exception is suicide which is excluded in almost all policies for the firsttwo years . After two years in force suicide is covered as well . Accidental life insurance or accidental death and dismemberment -LRB- AD&D -RRB- policies only cover a cause of death by accident . Modified life insurance polices such as guaranteed issue plans cover all causes of death but the death benefit is graduated based on time in force . 