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...

Your life insurance pays the death benefit if you (the insured person) pass away due to natural causes or accidental death.

If you want the life insurance policy to pay out double the death benefit in case of accidental death and your policy does not do that as a feature of the policy, you may be able to purchase an accidental death rider. That way if death occurred due to an accident, the life insurance policy and the rider would both pay out, resulting in double payment for ...