In addition, it would most likely not even cover death resulting from an accident that occurred while having a heart attack.
If you have a pre-existing medical condition such as heart disease, it is important to get a life insurance policy that covers death due to illness as well as death by accident, which is what regular Life Insurance covers.
Even if you can get $250,000 of accidental death coverage for the same price as $25,000 of life insurance, the life insurance may be the better deal, because it will cover death resulting from natural causes and accidental death.