What Is The Difference Between Ad&D And Life Insurance? 
AD&D -LRB- accidental death and dismemberment -RRB- can be a stand alone policy or a rider to a life insurance policy . Life insurance policies pay in the case of death , regardless of the cause . AD&D policies only pay if death -LRB- or dismemberment -RRB- is the result of an accident . AD&D plans have a place but should not be your only form of life insurance 