Accidental Death and Dismemberment (AD&D) insurance is an essential coverage that offers additional financial protection in the event of accidental death or dismemberment. It is a type of insurance that can be added as a rider to a life insurance policy or purchased as standalone coverage. AD&D insurance pays benefits if the insured dies accidentally or suffers the loss or loss of use of body parts or functions. Unlike traditional life insurance, AD&D insurance is limited to accidents and does not cover death or injuries from natural causes or illnesses. It is important to carefully read the policy terms to
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