What Is Accidental Life Insurance? 
That is a great question ! Accidental death policies are an insurance companies version of the extended warranty . It 's probably a good idea to buy one , but most people will never have to use it , so it can be a waste of money . That said , if you do need it , it can be a big blessing . These policies pay when your death is the result of an accident , as strictly defined by the company . If you die from old age , natural causes , illness , a spider bite , or any disease , you do not get paid . Many insurance companies include this , and common carrier benefits to their life insurance policies to make them more attractive . I 'd suggest that you ask a trusted agent before purchasing one . Thanks for asking ! 