Critical illness insurance is a type of insurance that pays a lump sum if you are diagnosed with a serious illness covered by the policy, such as cancer, heart attack, or stroke.

Accidental death insurance is a type of insurance that pays a benefit to your beneficiaries if you die due to an accident covered by the policy.

It depends on your individual needs and circumstances. Accidental death insurance provides coverage for accidents that may not be covered by traditional life insurance policies.