What Is The Difference Between Life Insurance And AD&D? 
Every life insurance policy covers accidental death . Traditional life insurance policies provide full coverage -LRB- paying out proceeds in the event death occurs by illness or injury -RRB- . Partial coverage policies only covering accidental deaths are known as Accidental Death & Dismemberment life insurance programs . These policies typically feature much lower premiums than full coverage programs , but only pay out a death benefit if death occurs under certain conditions -LRB- e.g. dying in a car accident -RRB- . If you only have an AD&D policy and you die due to a heart attack , the policy would not pay out any proceeds because that would be considered death due to illness . Even though the premiums are less with AD&D policies , it 's worth paying the premiums for a full coverage life insurance policy because individuals are most likely to die due to illness than they will by injury . 