Does Life Insurance Cover Accidental Death?

Shawn Plummer

CEO, The Annuity Expert

Does Life Insurance Cover Accidental Death?

Yes, life insurance policies typically cover accidental death. However, there are exceptions depending on the policy’s terms and conditions. For instance, if the policyholder has an occupation or engages in activities that are considered high risk, such as piloting an aircraft, the policy may have specific exclusions for deaths resulting from those activities. It’s crucial to review the policy details to understand what is and isn’t covered.

Understanding Accidental Death Coverage in Life Insurance


  1. Traffic Accidents: Covered in most policies.
  2. Falls: Unexpected fatal falls are usually included.
  3. Drowning: Accidental drowning is typically covered.


  1. High-Risk Occupations: Pilots, deep-sea divers, etc., may have exclusions.
  2. Illegal Activities: Deaths during the commission of a crime are not covered.
  3. Drug or Alcohol Use: Death while under the influence may be excluded.

Additional Considerations:

  • Double Indemnity: Some policies pay extra for accidental death.
  • Waiting Periods: There might be a period after policy initiation during which accidental death is not covered.
  • Age Limits: Coverage for accidental death may decrease or cease past a certain age.


While life insurance generally covers accidental death, it’s important to be aware of any exclusions that might apply, especially if your lifestyle or occupation involves heightened risks. Reviewing your policy carefully will ensure you understand your coverage. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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