What is AD&D Insurance?
Accidental Death and Dismemberment insurance pays a benefit only if the insured dies or loses a limb as the result of an accidental injury.
AD&D policies are much more affordable than regular life insurance because the risk of dying from an accident is much lower than dying from an illness.
Since these plans do not pay a benefit upon death from an illness, you do not have to be in good health to purchase one.
People who regularly travel along dangerous roadways might consider this a reasonable type of low cost insurance.