There is really no difference between the two. They are both life insurance. The words "accidental death" is to entice the consumer to purchase it. It's like saying "Extra Special Life Insurance Just For You." lol.
This is how life insurance works:
You pay premiums into the policy for a certain amount of coverage. If you add "Waiver of Premium" rider to it, this will allow you to use some of the face amount in case you become disabled. If you die (natural or accidental), your beneficiary will get the face amount. If there is cash value in the policy, this will be kept by the insurance company (kind of sucks since you're the one who paid for it)
This is how life insurance works:
You pay premiums into the policy for a certain amount of coverage. If you add "Waiver of Premium" rider to it, this will allow you to use some of the face amount in case you become disabled. If you die (natural or accidental), your beneficiary will get the face amount. If there is cash value in the policy, this will be kept by the insurance company (kind of sucks since you're the one who paid for it)
