This is a type of coverage that is pushed by some carriers that’s not a good deal for you.
This is offered by agents who are just looking to increase their commission.
You could be in a wreck and get seriously injured, and this coverage won’t help you at all. To get paid from this coverage, you have to DIE in a wreck!
This type of risk (the risk of your death) is much better covered by getting life insurance, which will cover your death from just about all causes, not limited to a car wreck.