Accidental death and dismemberment (AD&D) insurance is a policy that only pays out a benefit when the insured is in an accident that causes death or specific serious injuries such as the loss of a limb, paralysis, or blindness.
This is important for those with hazardous jobs. It is possible to get more than adequate coverage at little cost.
In some cases, a person’s health will only allow them to qualify for AD&D coverage.