How Is Accidental Death And Dismemberment Different From Life Insurance? 
Accidental Death and Dismemberment Insurance pays the face amount to the beneficiary only when death is caused by accident , such as a car crash or falling down stairs . It will also pay for loss of limbs . Life Insurance pays the face amount to the beneficiary when death is caused by illness , injury , old age , or any cause . There may be some stipulations , such as the suicide exemption during the first two years . But as a rule , Life Insurance pays upon loss of life . Period . 