Say a person has an implanted pacemaker/defibrillator. At some point he has a non-fatal heart issue but, due to a temporary drop in blood pressure, faints and hits his head. The heart issue straightens itself out but he later dies due to massive bleeding in the brain. The death certificate lists the cause of death as blunt force trauma to the head and the manner of death as an accident. Would most/any life insurance companies consider this an accidental death? I’m thinking not as the death was not “due to bodily injuries effected solely through external, violent and accidental means…” (language I just found via Google). Emphasis on “external”
This exact thing happened to someone I knew and it sounds like the insurance company is not going to pay on the accidental death rider. I don’t know the exact wording of the policy. This in Florida if it matters.