What Is The Difference Between Basic Life Insurance And AD&D? 
Basic life insurance protects against all causes of death with the exceptions of suicide during the contestable period as well as misstatements , misrepresentations or material omission construed as fraud . AD&D or accidental Death and Dismemberment , pays only on death claims caused by accidents , i.e. not by disease and dismemberment , the loss of limbs paying out a fixed benefit . 