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Accidental death and dismemberment insurance can be a good supplement to a life insurance policy. Depending on the amount of coverage needed, AD&D insurance premiums average around $60 per year. Even with the low cost of accidental death and dismemberment insurance, many would prefer to use the money they could be paying for the policy and put it towards more health or life insurance coverage. Also, since most people die from other causes than accidents, buying AD&D doesn't seem to make a lot of sense.

About Accidental Death Insurance
Generally, you can purchase Accidental Death Insurance Accidental Death Insurance as a separate policy or as rider (endorsement) on a basic life or health insurance policy. Its name states exactly what it covers; accidental death and dismemberment. However, there are limitations on the coverage. These limitations make accidental death and dismemberment insurance less useful, although it is also usually relatively inexpensive.

In insurance, Accidental death and dismemberment is a term used to describe a policy that pays additional benefits to the beneficiary if the cause of death is due to a non-work-related accident. Fractional amounts of the policy will be paid out if the covered employee loses a bodily appendage or sight because of an accident.[1][2] In the event of accidental death, this insurance will pay benefits in addition to any life insurance held. [3] Death by illness, suicide, or natural causes is generally not covered by Accidental Death Insurance. Additionally, Accidental Death Insurance generally pays benefits for the loss of limbs, fingers, sight and permanent paralysis. The types of injuries covered and the amount paid vary by insurer and package, and are explicitly enumerated in the insurance policy.

Accidental Death Insurance Plans
Group Life Supplement - the AD&D benefit is included as part of a group life insurance contract, and the benefit amount is usually the same as that of the group life benefit;
Voluntary - the AD&D is offered to members of a group as a separate, elective benefit, and premiums are generally paid as a payroll deduction.
Travel Accident (Business Trip) - the AD&D benefit is provided through an employee benefit plan and provides supplemental accident protection to workers while they are traveling on company business