If the insured person dies a result of an accident (as defined in the policy), then the beneficiary of the life insurance policy would receive twice the amount of the death benefit.
For example, if the insured had a $100,000 life insurance plan, but died from an accident, the beneficiary would receive $200,000 from the policy.
However, the policy usually stipulates that the insured must be age 60 or under, and die within 60 or 90 days of the accident, in order to collect on the double indemnity. Terms and conditions related to the double indemnity and accidental death clause may vary by policy and carrier.
Some insurance companies may even offer triple indemnity, which would payout three times the death benefit for a qualifying death resulting from an accident.