1. 85 POINTS
    Chris Graham
    Agent/Owner, Graham Insurance,
    Accidental Death and Dismemberment Insurance

    Normally, AD&D is a rider attached to a life or health policy that gives benefits in case of death by accidental means or provides a set income in case of loss of certain body parts.

    AD&D riders are usually written so the insurer will pay double the payable amount in case of accidental death. These are sometimes known as double indemnity riders.
    Answered on April 11, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    AD&D stands for Accidental Death and Dismemberment. While AD&D can be a rider that pays extra if the insured person dies from accidental death, some policies are stand alone AD&D policies. These AD&D policies that are not connected to a life insurance policy ONLY pay if the insured person dies from accidental death. I.e. they will not pay anything if death is due to illness or old age. So be very careful that you know what type of policy you are getting if you see AD&D in the description.
    Answered on November 4, 2013
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