what is voluntary accidental death and dismemberment insurance vad d 
voluntary accidental death and dismemberment insurance vad d is a financial protection plan that provides a beneficiary with cash in the event that the policyholder is accidentally killed or loses a specific body part vad d is a limited form of life insurance and is generally less expensive than a full life insurance policy understanding voluntary accidental death and dismemberment insurance vad d voluntary accidental death and dismemberment insurance vad d is an optional benefit offered by some employers premiums are based on the amount of coverage purchased and this type of insurance can make sense for workers in occupations that place them at high risk of physical injury most policies are renewed periodically with revised terms although the client s consent with renewal is often implicitly assumed 