Is D&D In Addition To Life Insurance? 
I am not familiar with `` D&D '' , could you mean `` AD&D '' ? That is an accidental death and dismemberment rider on life insurance policies . Those are stand alone polices as well . As a rider added to a traditional life policy it doubles the face amount benefit in case of accidental death and triples the face amount if death by a common carrier -LRB- plane , train , ferry -RRB- . It will also pay a scheduled percentage in case of loss of limb -LRB- arm , hand , leg , foot -RRB- or loss of hearing or sight . These are usually very inexpensive to add to a policy . Just remember accidental death is still covered as any other death on a traditional life insurance policy . 