It might seem silly to ask just what life insurance covers. We all know that life insurance is paid to your beneficiary after you have died to help them cope with life and all the many bills they will have to pay. But some people may also think that life insurance will cover them in times of accidental injury not causing death. This could not be further from the truth in many cases. Life insurance should really be called death insurance. It is all about when you die. Only sometimes you may be injured so badly that you cannot work for years and then what happens? Your family will still need money to pay those bills, but they wont be able to get it from your life insurance unless you have also added accident insurance to it. The addition of accident insurance to your life insurance means that you and your family are covered in the event of an accident that is not your fault. It cost more than life insurance does, but is worth it in the long run. But what if the accident was your fault? That is a different kettle of fish. That is not to say you cannot get insurance cover for when you are at fault, but this is yet another optional feature of life insurance and costs even more. You can also get it as a separate insurance, not related to life insurance. In fact, you may decide to get insurance for injury without life insurance at all. This is not really a great idea though, because for the little bit extra you pay for life insurance the benefits to your family are tremendous.

Bev writes about life insurance among other insurance related topics.