• Accidental death and dismemberment (AD&D) insurance is usually added as an add-on to a life insurance policy.

  • AD&D insurance pays benefits when a person dies as a result of an accident or dismemberment, that is, the loss or inability to use body parts or functions.
  • AD&D insurance usually has significant coverage limits, so always read the fine print.
  • AD&D does not pay insurance compensation if the insured person dies of natural causes, such as cancer or heart disease.
  • Known as double reimbursement, AD&D may pay a benefit equal to or multiple (usually 2x) of the nominal amount of regular insurance.