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A person is gravely injured in a car accident and manages to live 94 days before passing. Clearly an accident was the cause of death, but? according to the conditions of the policy the death must occur within 90 days of the event. Living 94 days actually voids the policy.
AD&D insurance is extremely inexpensive. It is not priced that way because a company pays out a lot in claims. One really needs to think if there are any savings in a life plan that is subject to conditional death to pay out.
A heart attack is not an accident. The policy won't pay for that.
If you have a real NEED for life insurance, you need it regardless of how you die. Don't buy foolish things like accidental policies unless you are only considering it in addition to your real life insurance.
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.