Is Accidental Life Insurance Worth It? 
Accidental death and dismemberment -LRB- AD&D -RRB- and accidental death benefit -LRB- ADB -RRB- , either as a stand alone policy or as a rider on a life insurance policy , is inexpensive but I question its value . In some instances , it may make sense to the buyer . I do n't follow industry sales data at this granular a level but I can safely say that it is neither offered nor sold as much as it was in the past when our economy was more industrial and agrarian than service oriented the way it is today . 