Do I Need Both Life Insurance And Ad&d. While it’s highly unlikely that you will lose an arm or leg, or your sight, it also depends on the activities you engage in when you’re traveling. Accidental death and dismemberment insurance (ad&d) is an insurance policy that offers coverage in case a person dies or becomes disabled.
In comparison, ad&d protection is only of marginal value. For example, many ad&d insurance policies do not pay benefits if the insured dies during surgery, has a mental or physical illness, has a bacterial infection or hernia or dies as the result of a drug overdose. You don't need ad&d insurance if you have life insurance, but it's a good complement to your policy if you can afford it.
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→ learn more about the difference between life insurance and ad&d insurance Do i need both life insurance and ad&d coverage? Can you claim both life insurance and ad&d? If the cause of death is something other than an accident, then you can only claim under the life insurance policy.
