Best term policies to cover accidental deaths

I (20F) am from Illinois, USA and interested in getting some 10-20 year term life insurance. I’m mostly looking at term policies because I have a feeling my situation and the people in my life may change by the end of it, but if you think another type is better for me let me know. There is no major physical or mental health history in my family or myself, and I don’t smoke, drink, or engage in illegal/dangerous behavior; there’s no obvious reason I’d need a policy. But things happen, and I’ve got someone that I need to support. The other day I read an article entitled 8 major death cases which are not covered in term life insurance that got me worried what other deaths might not be covered. The chances of me dying from some chronic medical condition or disease are extremely low, so I need a plan that can cover the highest amount of random deaths and accidents such as drowning in the pool, moderately dangerous activities in rivers and oceans, and others like that. Additionally, in case I ever start drinking alcohol more, are there plans that won’t disqualify deaths that occur while drunk? (Not top priority, the freak accidents and random deaths are #1).

submitted by /u/Karma-Junkie-708
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