Accidental death and dismemberment (AD&D) insurance is an insurance policy that is purchased in addition to life insurance. It will pay a lump sum amount if you die from a work-related injury or die as a result of an accident, but it is not a life insurance policy.
Accidental death and dismemberment (AD&D) is an insurance policy that covers your life as well as your limbs. In the event of an accident, AD&D insurance will pay for lost income, medical costs, prosthetics, and other expenses.