What Is The Difference Between Life Insurance And AD&D? 
Great question ! There are a couple of major differences . Perhaps most importantly is what they will pay out for . An AD&D policy will only pay if you pass due to an accidental death as defined by their definition of `` accident '' . A sickness , or other health issue -LRB- heart attack , stroke -RRB- will not be considered an accident , so there would not be a payout for a claim . A Life Insurance policy would pay out for both causes of death , accidental or health related . A benefit of the AD&D policies is that if you are disabled as a result of an accident you can file a claim and be compensated for the injury , something a Life insurance policy wo n't . Many Life insurance policies include an accident rider that increases the death benefit if the death is by a covered accident , and nearly all will offer it as a rider . I would not advise that someone purchase an AD&D policy as their sole form of protection , as the vast majority of deaths are health related , but they can add some nice extra protection . If you have any questions , please feel free to contact me , I 'd be glad to help . Thanks for asking ! 