Accidental Death and Dismemberment (AD&D) insurance is a type of insurance that pays a benefit if you lose your life, limbs, eyes, speech, or hearing due to an accident. It is designed to supplement regular life insurance, as coverage is limited to certain types of accidents. AD&D insurance is not an acceptable substitute for a full life insurance policy. The amount of coverage you can get will depend on limits set by insurers or by employers that offer AD&D insurance as a workplace benefit. The types and extent of injuries covered are particular to and defined by each insurer and policy. Some policies might pay 50% to 100% of the benefit amount for paralysis as a result of an accident. AD&D insurance will cover only deaths and injuries from accidents—not natural causes or illnesses. Policies typically cover death or injuries from accidents at work, home, and while traveling. The following are some of the benefits of AD&D insurance:

• Accelerated Death Benefit
• Accident Hospital Income
• Adaptive Home and Vehicle Benefit
• Anti-Inflation

AD&D insurance can supplement life insurance because it will pay out if you lose a limb or eyesight, or other non-death injuries covered by the policy.