Accidental Death and Dismemberment

Also known as AD&D, this provides a benefit over and above the face amount of insurance provided the covered dies of an accident, loses a limb above the wrist or ankle joint, or irreversibly loses his/her eyesight.  Accidents are the fifth most leading cause of deaths in the U.S. and Canada.  AD&D is available as a stand alone policy or commonly as an add on to a traditional life insurance policy whereby it generally involves an additional premium.