Accidental death and dismemberment life insurance (AD & D) provides your beneficiaries a life insurance death benefit amount only if you die in an accident or dismemberment of a limb, loss of eyesight, etc.

Every life insurance company’s definitions have legal nuances, so it's important to know what the insurance policy does and how it covers a loss, before you purchase your insurance policy.

For instance, some accidental death insurance plans cover death resulting from a...