Life insurance differs from AD&D in that Life Insurance pays for death by any reason, whereas AD&D only pays for death by accidental reasons.
AD&D stands for Accidental Death and Dismemberment. If the death is due to falling down stairs, car accident, etc, the policy will pay the death benefit. And some policies also pay for the loss of an extremity. But if death was due to illness (even an accident caused by illness, such as driving into a tree while suffering a heart attack), the policy will not pay.
Life insurance covers both types of death: natural and accidental.
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AD&D stands for Accidental Death and Dismemberment. If the death is due to falling down stairs, car accident, etc, the policy will pay the death benefit. And some policies also pay for the loss of an extremity. But if death was due to illness (even an accident caused by illness, such as driving into a tree while suffering a heart attack), the policy will not pay.
Life insurance covers both types of death: natural and accidental.