Accidental death and dismemberment insurance

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Accidental death and dismemberment insurance (also known as AD&D) is insurance covering death or permanently disabling injury as a result of an accident. In the event of accidental death, this insurance will pay benefits in addition to any life insurance held. Death by illness, suicide, or natural causes is generally not covered by AD&D. Additionally, AD&D generally pays benefits for the loss of limbs, fingers, sight and permanent paralysis. The types of injuries covered and the amount payed vary by insurer and package, and are explicitly enumerated in the insurance policy.