No, accidental life insurance does not cover heart attack. It would most likely not even cover death due to an accident incurred while having a heart attack.
If you have a pre-existing condition such as heart disease, it is important to get a policy that covers death due to illness as well as death by accident, which is what pure Life Insurance covers. Even if you can get $500,000 of accidental death coverage for the same price as $25,000 of life insurance, the life insurance is the better deal.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Does accidental life insurance cover a heart attack? No, as a heart attack is actually a medical event, not an accident, even if it happens without warning. Accidental life policies tend to be cheap because they are known as situational plans. That is, a certain situation has to happen a certain way creating the death for the plan to pay.
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If you have a pre-existing condition such as heart disease, it is important to get a policy that covers death due to illness as well as death by accident, which is what pure Life Insurance covers. Even if you can get $500,000 of accidental death coverage for the same price as $25,000 of life insurance, the life insurance is the better deal.