What Is The Difference Between Life Insurance And AD&D? 
Life insurance will pay out lump sum to the beneficiary at the time of death regardless of the cause of death -LRB- with a few exceptions -RRB- . An Accidental Death and Dismemberment -LRB- AD&D -RRB- policy will only pay out to the beneficiary if the death is caused from an accident . Dismemberment typically pays out a lower percentage of the death benefit . AD&D plans are very inexpensive and a great way to add additional coverage . 