Does my life insurance policy cover accidental death benefit?

As a frequent traveler, your concern is valid and shared by many. The good news is that most comprehensive travel insurance policies and many life insurance policies do include accidental death benefits.

- Manju Dhake

Specifically, travel insurance often has provisions for accidental death or dismemberment that occur during a trip, including during flights.

Your existing life insurance policy would also typically cover death by accident, regardless of location, unless specifically excluded.

To ensure your family can claim easily and avoid excessive paperwork during a difficult time, here is what to do:

Review your policies: Check the terms of your current travel insurance (especially if it's an annual multi-trip policy) and your life insurance plans. Look for clauses on death benefit, airline accidental death and common carrier accident.