Life insurance may cover accidental death in one of two ways:
The insurance policy may have built-in coverage for accidental death at no extra charge to you
The insurance policy may have a "rider" attached that provides accidental death coverage of the amount you choose for an extra premium.
Either way, the answer is yes.
Unless otherwise stated an in force life insurance policy has on all death claims events regardless of the cause of death with the exception of suicide in the contestability period and outright fraud or material omission. Some life insurance policies have an accidental death benefit or double indemnity, which could be a consideration.
.JPG){kind=avatar}
The insurance policy may have built-in coverage for accidental death at no extra charge to you
The insurance policy may have a "rider" attached that provides accidental death coverage of the amount you choose for an extra premium.
Either way, the answer is yes.