Basic Life Insurance cover death by any reason. This means that the Insured person could pass away from illness, accident, or "old age" and the policy would pay the death benefit to the beneficiary.
AD&D stands for Accidental Death and Dismember insurance. As the title says, it only pays in circumstances that result from accidental death or loss of limbs. Even an accident that is caused by illness (such as being in a fatal car wreck due to having a heart attack while driving) will not be covered.
Basic life insurance protects against all causes of death with the exceptions of suicide during the contestable period as well as misstatements, misrepresentations or material omission construed as fraud. AD&D or accidental Death and Dismemberment, pays only on death claims caused by accidents, i.e. not by disease and dismemberment, the loss of limbs paying out a fixed benefit.
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AD&D stands for Accidental Death and Dismember insurance. As the title says, it only pays in circumstances that result from accidental death or loss of limbs. Even an accident that is caused by illness (such as being in a fatal car wreck due to having a heart attack while driving) will not be covered.