are accidental death and dismemberment ad d insurance and accidental death benefit adb the same thing 
accidental death and dismemberment ad d and accidental death benefit adb policies both pay a benefit the main difference is that an ad d policy will pay if the insured is dismembered or injured whereas the adb only pays a benefit if the insured dies the bottom lineaccidental death benefits are paid to beneficiaries of an accidental death insurance policy insurance companies often have strict perimeters of what constitutes an accidental death accidental death benefits are optional riders so they aren t included in standard life insurance policies these riders often end at a specific age which is set by the insurance company if you work in a dangerous environment you may want to consider adding an accidental death benefit rider to your insurance policy 