Original sentence: Accidental death and AD&D policies very rarely ever pay a benefit because either the cause of death is not covered, or the coverage is not maintained until death occurs.Accidental death is a limited life insurance that is designed to cover the insured if they pass away due to an accident.In an AD&D policy benefits are available not only for accidental death, but also for loss of limbs or bodily functions such as sight and hearing, etc.It is also very commonly offered as a accidental death and dismemberment policy, known as an AD&D policy.To be aware of what coverage they have, an insured should always review their policy for what it covers and what it excludes
Edited sentence: Accidental Death is a limited life insurance that is designed to cover the insured if they pass away due to an accident.An insured should always review their policy for what it covers and what it excludes and call their administrator if they have any questions