what is the difference between life ins and live and accident ins

A regular life insurance policy should pay out if the insured person dies while the policy was active. However, there may be some limited situations in which there is no payout, such as if the person committed suicide.  However, an accidental death and dismemberment policy will ONLY pay out if the insured person dies or loses a limb or an eye by AN ACCIDENT that happened while the policy was active. You may ask, "what counts as an accident?" or "how long after the accident must the person die for there to be a payout?" These questions can be answered by reviewing the particular policy. You would be surprised how different the policies are. Each policy is very different, so you must review the policy to see if the denial was correct. Now that the claim has been denied, you must file a lawsuit within 2 years if you think the denial was incorrect.