All life insurance policies will cover accidental death and most cover all causes of death.
Most life insurance policies do not cover disability. However with some you can take out a rider on the life policy to pay a benefit to pay in the event of you becoming disabled.
A life insurance may have an Accidental Death Rider that would cover AD&D but not all policies have this rider. It will still pay for accidental death if it does not have this rider but not dismemberment (loss of limb, etc). If you want Accidental Death and Dismemberment then make sure your policy has this rider or purchase a separate Accident policy.
Life insurance does cover the AD of AD&D, which is accidental death. It does not cover the final D, which is dismemberment, unless there are living benefits built into the policy, or perhaps by virtue of a critical illness or disability income rider. Life insurance without living benefits only pays out the face amount upon death, although money can be borrowed from the cash accumulation within Whole Life or Universal Life,
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All life insurance policies will cover accidental death and most cover all causes of death.
Most life insurance policies do not cover disability. However with some you can take out a rider on the life policy to pay a benefit to pay in the event of you becoming disabled.