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...

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Accidental death insurance differs from standard life insurance in a few different ways:

1. Accidental death insurance offers limited coverage for death resulting only from accidents, whereas, standard life insurance covers death resulting from natural causes.

2. Accidental death costs a lot less than standard life insurance because of the limited coverage for death by accident only.

3. Accidental death insurance allows you to buy up to $1,000,000 of life insurance coverage without having to tak...
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