what is accidental death and dismemberment ad d insurance 
accidental death and dismemberment ad d insurance is insurance usually added as a rider to a health or life insurance policy that covers the unintentional death or dismemberment of the insured dismemberment includes the loss or the loss of use of body parts or functions such as limbs speech eyesight and hearing because of coverage limitations prospective buyers should carefully read the terms of the policy for instance ad d insurance is limited and generally covers unlikely events also it is supplemental life insurance and is not an acceptable substitute for a full life insurance policy investopedia lara antal