Accidental Death and Dismemberment (AD&D) insurance is a type of insurance that provides coverage in the event of accidental death or the loss of a limb or other specified body parts. It is designed to supplement regular life insurance, as it pays a benefit upon the occurrence of specific accidents. AD&D insurance is not a substitute for full life insurance, as it has limitations and does not cover death due to natural causes or other excludable events. The coverage and benefits of AD&D insurance vary depending on the insurer and the specific policy. It is often offered as a rider to a life insurance policy or as a supplemental insurance plan. AD&D insurance can be a cost-effective way to provide additional financial assistance in the event of an accident
. AD&D insurance is different from life insurance in that it covers only accidental death and specific non-fatal injuries, such as the loss of limbs, speech, hearing, or sight. It is generally less expensive than full life insurance, but the coverage is more limited. AD&D insurance is often available through employer group plans, and some insurance companies also offer individual AD&D insurance policies
