Accidental death and disability policies (AD&D policies) provide benefits when an individual dies unexpectedly due to an accident. Thus the focus of an insurance company looking at an accidental death policy is the cause of death. Was the death accidental? Was the death caused by illness or suicide?
One would expect that when a loved one dies their life insurance company will pay the benefits contracted for. When they don’t it usually comes as quite a shock to the beneficiary. Be aware that a life insurance company’s initial response to an application for benefits is to investigate how to deny the claim.