For instance, the policy might cover accidental deaths (you're hit by a bus) but not death by natural causes (you have a heart attack). (themortgagereports.com)
Now, we tend to lean towards the accidental death insurance with a return of premium simply because your beneficiary will get something when you die by natural causes. (termlife2go.com)
There is climate change but the reality is the science indicates most of it, if not all of it, is caused by natural causes. (sciencemag.org)