What Is The Difference Between Accidental Death And Life Insurance? 
Accidental Death and Dismemberment insurance -LRB- AD&D insurance -RRB- pays for death due to accident , such as falling down stairs or being in a car wreck . Life insurance pays for death due to accident AND natural causes , such as cancer or old age . The reason Accidental Death insurance usually costs less than Life insurance is because the number of people who die from accidents is a fraction of the number of people who pass from natural causes . 