boon,

Last I remember, life insurance always comes with Total and Permanent Disability (TPD) which covers stuffs like loss of both legs, or both arms, etc... basically meaning you are still alive, but the possibility to get a job to support yourself is near zero.

PA policy (that I've read before) on the other hand can gives incremental amount of compensation based on permanent damages incurred (i.e. loss of a couple of fingers they might give 5% of the total coverage amount, loss of right hand (if right handed) then maybe 15%, etc..).