I just took in a new case involving the denial of an Accidental Death insurance claim.
Accidental Death policies are different from Life Insurance policies. Life insurance policies pay out when the insured person dies, regardless of the cause of death. Accidental Death policies pay out when the insured person dies from an accident. However, one common exclusion in Accidental Death policies is for deaths caused by a medical condition.
Unfortunately, insurance companies often become confused by their own policies. And, as you know, when an insurance company succeeds in confusing itself about what its policy says, it then refuses to pay the claim.