How Is Life Insurance Different From AD&D? 
That is a great question ! I think that there are a lot of people who are confused about AD&D policies and life insurance . I think that often people assume that the AD&D policy is a cheaper form of life insurance , and therefore can `` save '' by purchasing one of them instead of the more expensive life policy . That is sadly not the truth . An AD&D policy will indeed pay if you pass away , but ONLY if your death falls within the very limited definition of `` Accidental '' as the insurer defines it . If you have a heart attack or stroke the policy wo n't pay - they are n't `` accidents '' . If you have a reaction to a spider bite , it 's not an `` accident '' . There are far fewer people who die from accidental causes than from natural causes , so the coverage offered in most cases is paid for , and uncollected . A life insurance policy will pay no matter what the cause , so is much more sure to pay . An AD&D policy is a cheap way to supplement your coverage , and is a good thing if you work in a hazardous job , but please do n't use it for primary coverage , okay ? Thanks for asking ! 