Promoting something that purports to protect the family of the cardholder from financial liability in the event of unexpected death — and then in the fine print disclosing that this is only for death by accident, not illness — is intentionally deceptive. Someone is far more likely to die of natural causes than in an accident, so if you were to buy accidental death and dismemberment insurance labeled as such, you can do so easily and very cheaply.
Source: latimes.com – Los Angeles Times