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What is the difference between term life and accidental death?

The biggest difference between term life and ADD insurance is that an ADD policy pays out only for a death or dismemberment caused by an accident, while a term life policy pays out regardless of the cause of death, with some exceptions.

How do accidental deaths happen?

An accidental death is an unnatural death that is caused by an accident, such as a slip and fall, traffic collision, or accidental poisoning. Accidental deaths are distinguished from death by natural causes, disease, and from intentional homicides and suicide.

What is the #1 cause of accidental death?

Leading causes were asphyxia, drowning, and traffic accidents followed by poisonings and falls.

What determines accidental death?

Insurance companies consider accidental death to be an event that causes your death as the result of an accident. For example, most car crashes, falls down the stairs, machinery, choking, and even drowning are circumstances beyond your control, and thus counted as accidental.

What is difference between normal death and accidental death?

Accidental deaths are distinguished from death by natural causes, disease, and from intentional homicides and suicide. An accidental death can still be considered a homicide or suicide if a person was the unintentional cause. For criminal purposes, intentional homicides are usually classified as murder.

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