What Is Basic Life And AD&D Insurance? 
I would add to Peggy 's answer that typically the `` basic '' insurance that employers offer to employees is Term insurance and is usually a lower amount like $ 25 , to $ 50,000 benefit . Additionally the insurance terminates if you leave the company . The AD&D rider -LRB- accidental death and dismemberment -RRB- , usually doubles the death benefit should you die in an accident . Sometimes you can buy additional insurance to that which the employer provides , and if you do you may be able to continue at least the additional insurance you buy when you leave the company and possibly convert it to Whole Life . 