Accidental Death Mortgage Insurance?

We just got a letter in the mail...an offer for Accidental Death insurance for our home mortgage from Union Security Insurance Company. Should my husband die in an accident (whatever they term an accident to be; they don't have any definitions here) our mortgage would supposedly be paid off, depending on his... show more We just got a letter in the mail...an offer for Accidental Death insurance for our home mortgage from Union Security Insurance Company. Should my husband die in an accident (whatever they term an accident to be; they don't have any definitions here) our mortgage would supposedly be paid off, depending on his age at the time of his death. (The benefits decrease with age.)

Is this type of insurance really necessary or advisable? What criteria should one use in determining whether or not they should purchase this type of coverage?
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