What Is The Difference Between Basic Life Insurance And AD&D? 
Basic Life Insurance cover death by any reason . This means that the Insured person could pass away from illness , accident , or `` old age '' and the policy would pay the death benefit to the beneficiary . AD&D stands for Accidental Death and Dismember insurance . As the title says , it only pays in circumstances that result from accidental death or loss of limbs . Even an accident that is caused by illness -LRB- such as being in a fatal car wreck due to having a heart attack while driving -RRB- will not be covered . 