Life insurance with AD&D is life insurance that provides a death benefit payout for accidental death; as well as, natural causes and illness.

Traditional life insurance policies include coverage for accidental death.

However, you can have an individual insurance policy that covers only death resulting from an accident, which would be an accidental death insurance policy.

In addition, you may add coverage for double indemnity which pays out twice the death benefit if the insured dies from a covered type of accident.