What Is Supplemental AD&D Life Insurance? 
This would be an additional policy probably offered by your employer or credit union that offers life insurance that covers only Accidental Death and Dismemberment . This means it will only pay if you die in an accedent or loose a body part such as a hand , arm foot or leg . These are usually very inexpensive and not a bad supplemental policy for younger ages . They should never take the place of a full Life insurance policy however . 