Yes, a term life insurance policy covers accidents.

Term life insurance pays out a death benefit if the insured person dies as a result of natural causes, medical illness, or accidental death.

However, some insurance policies may have exclusions for high risk activities; such as, sky diving or auto racing.

So, although term life plans cover accidental death, your coverage is subject to the terms, conditions, and exclusions stated in the insurance contract.

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Does term life insurance come with accidental death coverage?

Yes, it does include coverage for death resulting from an accident.

Term life covered death resulting from natural causes, illness and accidental death.

In addition, there is double indemnity coverage available which pays out twice the death benefit if the insured person dies from an accident.

Learn more about buying term life with accidental death insurance coverage.

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How does term life insurance compare to accidental death coverage?

They are two different types of life insurance.

Term life pays out a death benefit to your beneficiary if you die from an accident or natural causes.

Whereas, accidental death only pays out a death benefit if you die as a result of an accident. 

And, the insured must die usually within 3 months of the accident in order for accidental death to pay out a death benefit on the policy.

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Will my life insurance policy pay out a death benefit if I die as a result of an accident?

Yes, standard life insurance policies cover accidental death and natural causes.

However, intentional acts are usually excluded from coverage.

So, for instance, suicide is usually excluded if it occurs within the first two years you are insured (one year in some states).

But, there can be exclusions for certain high risk activities or occupations.

That's why it is a good idea to review all exclusions with yo...
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Unlike traditional life insurance that provides a death benefit only in the event of the death of the life insurance policyholder, accidental death and dismemberment insurance provides additional coverage in the event the policyholder becomes permanently injured in a number of specific ways.

This type of policy traditionally pays a certain benefit for the loss of limbs, with a specific dollar figure assigned to each type of lost limb.

Many companies provide this type of cover...

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Life insurance pays the death benefit if the insured person passes away due to natural causes or accidental death during the period of time you are censured under the life insurance policy.

If you want the life insurance policy to pay out a double death benefit in case of accidental death and your policy does not do that as a feature of the policy, you may be able to purchase an accidental death rider.

That way if your death occurred due to an accident, the life insurance pol...

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Any accident that causes death would be consider accidental death.

An accident is an event which was unintended.

Whereas, life insurance covers death by old age, accident, or intentional death by suicide, if you have been insured for two or more years, one year in some states like Colorado.

Accidental death insurance covers only death resulting from an accident, and most policies require death to happen within a certain period of time of the accident, such as, 30 or 90 days, in order for the dea...
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Life insurance differs from Accidental death insurance in that Life Insurance pays for death of the insured person by any reason (except suicide in the first two years in most states), whereas Accidental death insurance only pays out a death benefit for death of the insured resulting from accidental reasons.

AD&D stands for Accidental Death and Dismemberment. If the death of the insured person is due to falling down stairs, a car accident, or any other type of accident, the ...

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Yes, life insurance does pay out a death benefit for death resulting from an accident.

Regular life insurance policies pay for death from natural causes and accidents.

Whereas, an accidental death life insurance policy will only pay out a death benefit if the insured person dies as a result of an accident.

However, acts of war and suicide are usually excluded from a regular life insurance policy. Suicide is excluded for a period of 1 or 2 years, depending on the state you live in.

In addition, yo...
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