---
title: "What Is AD&D (Accidental Death and Dismemberment)? | Epic Life"
description: "Accidental death and dismemberment (AD&D) insurance is coverage that pays a benefit if the insured dies in a covered accident or loses a limb, sight, or..."
url: https://epicline.preview.multisites.ai/glossary/accidental-death-and-dismemberment
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
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---

Policy types and products

# Accidental Death and Dismemberment (AD&D)

Accidental death and dismemberment (AD&D) insurance is coverage that pays a benefit if the insured dies in a covered accident or loses a limb, sight, or other body function due to an accident. It does not pay for death from illness.

## Why it matters

AD&D is usually inexpensive because it covers a narrow set of events. It does not replace life insurance, since most deaths are caused by illness and not by accidents. Policies list exclusions, such as certain high-risk activities or intoxication, and these differ by carrier and state. AD&D is often offered through employers or as a rider on a life policy. Families should treat it as extra protection and check the exclusions and the schedule of benefits.

Source: [naic.org](https://content.naic.org/consumer/life-insurance.htm)

[Read next, for familiesAccidental death insurance: what AD&D covers, what it excludes, and when it helps](https://epicline.preview.multisites.ai/life-insurance/accidental-death)

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