What Is Basic Life And Ad D Insurance? 
Basic life insurance pays a beneficiary if death of the insured person occurs by any reason -LRB- except suicide in the first two years -RRB- . AD&D stands for Accidental Death and Dismemberment insurance . It pays the beneficiary if death occurs by accident , or it pays the insured person if they lose a limb . Basic Life with AD&D is most likely a policy that combines both those types of insurance . 