What Is Basic Life And AD&D Insurance? 
Basic Life and AD&D Insurance are the names often used when offering supplemental insurance to employees . Basic Life refers to life insurance that would pay the death benefit to the beneficiary if death occurred by any reason -LRB- except suicide in the first two years -RRB- . ADD&D stands for Accidental Death and Dismemberment . It would pay the death benefit only if the insured person died as a result of accidental death , such as car accident or falling down stairs . 