Accidental death life insurance only pays the death benefit when the insured dies from accidental causes. The causes of death that the company focuses on exclusion and are listed in the policy. The life insurance company is also expected to list covered and excluded causes of death in the marketing materials, but companies have had problems in the past for not being very early. Some companies have even tried to hide their insurance pays only for accidental deaths so be sure and read the fine print when reading through marketing materials. Accidental death life insurance is sold as a stand-alone as a product and a regular rider attached to the life insurance policy. It is much cheaper than ordinary life insurance. This is partly because the chances of you dying in an accident are much lower. In addition, the insurance company has very low cost subscription because of your health does not really affect your chances of getting in an accident. You should easily be able to obtain $ 100,000 in accidental death insurance for only a few dollars per month if it is attached as an amendment to another policy. I'm not really convinced one way or the other whether the accidental death life insurance is a good buy. I think it's a bad idea to own only the accidental death insurance when your family on that income at your death. Just because you're healthy and you now have the impression that the only way you can have died by accident does not mean that you will not get sick in years to come. In fact, if you feel really healthy, you should be buying life insurance because your regular premiums will be lower. It is an argument to be done to fix some cover accidental death of your life insurance policy. If you die suddenly and unexpectedly, rather than a long illness, and then additional insurance May be necessary because you have less time to get your affairs in order. Also, since you are committed to another policy, there is very little additional costs of marketing the life insurance company, and it should be relatively inexpensive.