1. COO and Senior Agent, Outlook Life, All 50 States
    Basic Life Insurance cover death by any reason. This means that the Insured person could pass away from illness, accident, or "old age" and the policy would pay the death benefit to the beneficiary.

    AD&D stands for Accidental Death and Dismember insurance. As the title says, it only pays in circumstances that result from accidental death or loss of limbs. Even an accident that is caused by illness (such as being in a fatal car wreck due to having a heart attack while driving) will not be covered.
    Answered on June 10, 2013

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