What Is AD&D Life Insurance? 
There actually are not any policies that I know of called AD&D Life Insurance . AD&D policies pay proceeds for death or dismemberment caused by accident , and the death or dismemberment must occur within a certain amount of time from when the accident occurred . Life insurance policies pay for loss of life , period , regardless of how death occurred -LRB- with very few exceptions , such as suicide during the first two years -RRB- . Some Life insurance policies offer an accidental death and dismemberment rider that causes the policy to pay double if death is caused by accident . Those type of policies still pay a death benefit for death due to illness , as well . 