Is D&D In Addition To Life Insurance? 
It looks like you are referring to Accidental Death and Dismemberment , typically referred to as AD&D . The answer to your question is yes , a death benefit is paid in addition to the basic life insurance amount if death is determine to be by accident . The dismemberment coverage , as the name implies , is a payment for the loss of , or for the loss use of parts of your body as a result of an accident that did not result in death . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 