How Is AD&D Different From Life Insurance? 
Accidental death and dismemberment is conditional coverage . In other words in order to pay out , things have to happen a certain way . First , death from natural causes do not cause payout . Second , death from an accident has to occur within a certain time window . A person injured in a car accident holds on for 91 days before passing . Unfortunately , the policy died the day before as it had a 90 window for payment occur . The reason AD&D is inexpensive to purchase is the probability of payout is low . Regular life insurance pay upon death by accident or natural causes . 