Extra cash benefits for covered accidents
AD&D pays a benefit if death or a serious injury — like the loss of a limb or eyesight — results from a covered accident. It’s inexpensive and a useful add-on, but because it only pays for accidents, it isn’t a substitute for full life insurance.
AD&D pays only when an accident causes death or a covered injury; it does not pay for death from illness or natural causes, which is what most families actually face. It’s best viewed as a low-cost booster on top of term or permanent coverage, not as your primary protection.
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No. Most deaths result from illness, which AD&D doesn’t cover. It’s a helpful, inexpensive supplement — but your core protection should be a term or permanent life policy.