Is D&D In Addition To Life Insurance? 
Great question ! Accidental death is covered in all insurance policies . Dismemberment however , is not . The kind of policy that you are thinking of is often misunderstood . Some people think that it will serve as good life insurance , thinking that it will provide coverage that it usually does n't . This kind of policy does n't cover any kind of death related to illness or health issue , like cancer or stroke . The normal life insurance policy wo n't cover dismemberment , unless it results in your death . The two policies can be combined by purchasing a life insurance policy with an AD&D `` rider '' -LRB- the policy ` rides ' along on the other , bigger policy -RRB- for a little more in cost . That provides you with terrific coverage , for most any situation . If you need more information , please feel free to contact me , I 'm happy to help . Thanks for asking ! 