How Does Life Insurance Differ From AD&D? 
Life insurance differs from AD&D in that Life Insurance pays for death by any reason , whereas AD&D only pays for death by accidental reasons . AD&D stands for Accidental Death and Dismemberment . If the death is due to falling down stairs , car accident , etc , the policy will pay the death benefit . And some policies also pay for the loss of an extremity . But if death was due to illness -LRB- even an accident caused by illness , such as driving into a tree while suffering a heart attack -RRB- , the policy will not pay . Life insurance covers both types of death : natural and accidental . 