Accidental death and dismemberment insurance (AD&D) is a type of insurance protecting death and set types of injury that occur from an accident. In an accidental death event, the insurance will pay benefits on top of any life insurance carried. Some types of death are generally not covered, such as death by illness, suicide, or natural causes. In addition to the covered types of death, AD&D usually pays benefits involving the loss of limbs, fingers, sight and permanent paralysis.
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