Your life insurance pays the death benefit if you (the insured person) pass away due to natural causes or accidental death.

If you want the life insurance policy to pay out double the 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 death occurred due to an accident, the life insurance policy and the rider would both pay out, resulting in double payment for ...