What Is The Difference Between Life Insurance And AD&D? 
Life insurance pays from all causes of death , including suicide -LRB- after 2 years in Canada -RRB- . . The accidental death pays if the death results from an accident . With AD&D policies this can actual increase depending on the type of accidental death . It is usually quite inexpensive , but since it can not be counted on in every circumstance should not be counted on totally in any planning . The dismemberment portion as the name suggests pay for loss or loss of use of parts . For example loss of a limb due to an accident or loss of sight . The AD&D policy or rider will provide a schedule of what portion of the face amount will be paid for each occurrence . In Canada AD&D riders are often are seen with Disability and Automobile Insurance policies 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 . 