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What is basic AD&D life insurance


What is AD&D insurance? Accidental death and dismemberment (AD&D) insurance is a category of life insurance that only pays out a benefit when the insured is in a covered accident that causes death or specific serious injuries such as the loss of a limb, paralysis, or blindness.

What is the difference between AD&D and basic life?

Basic life insurance coverage under Choices pays benefits to your beneficiary(ies) if you die from most causes while coverage is in effect. Accidental Death ɪmp; Dismemberment (ADɪmp;D) insurance coverage adds low-cost accidental death protection by paying benefits in the event your death is due to accidental causes.

Is AD&D better than life insurance?

If you can only choose one kind of coverage, life insurance is the best choice because ADɪmp;D can leave you without protection if you die from natural causes, sickness, disease, drug overdose, or suicide.

What does AD&D cover?

ADɪmp;D insurance includes coverage for fatal and nonfatal accidents involving dismemberment or loss of eyesight or hearing. With most policies, benefits are paid in addition to life insurance or other coverage you may have and surviving beneficiaries may use the money however they wish.

What is the point of AD&D?

An accidental death and dismemberment (ADɪmp;D) insurance policy can help protect your family's finances in the event of the loss of your life or limb(s). It can be an affordable way to supplement your life insurance or medical coverage if you're seriously injured or die as a result of an accident.




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