I purchased a life insurance policy a few years ago from TD Life insurance.. they called me because I have a TD Credit card... I took the policy as it gives reasonable coverage for a reasonable price.

Later I find out that the policy is for accidental death only. If anybody in my family dies accidentally, the pay out is good....

So.. this DOES NOT cover death from health issues, suicide or any thing else but accidental...

I will still keep the policy, but it's good to know what you're covered for.