Skip to Content
Multigenerational family talking on couch representing that different stages require different insurance policy types.
Policy Types

Understand the differences between AD&D and life insurance policies

An AD&D insurance policy is not a replacement for a standard life insurance policy, it but does offer a payout under certain conditions and can provide you with valuable coverage.

 An accidental death and dismemberment insurance policy (AD&D) is not the same as a standard life insurance policy. Yes, it pays a death benefit, but as the name suggests, only provides coverage in the event you die due to an accident. If you are dismembered because of an accident, the policy generally pays out a predetermined amount as specified in your policy.

An AD&D policy also differs from a standard life insurance policy because it's generally offered as a life insurance policy benefit rider or supplemental insurance. So while you can buy an AD&D policy by itself, it is more commonly added to another life insurance product.

As a policy rider, the AD&D benefit pays out an additional death benefit to your beneficiary that is over and above your current death benefit limit as stated on your life insurance policy. For example, if you have a $500,000 policy with a $200,000 AD&D rider and die in a tragic accident, your life insurance policy will pay out $700,000 to your beneficiaries. However, if you die due to any other cause, the payout would be the limit of your life insurance policy, $500,000.

Although AD&D insurance is no replacement for standard life insurance, AD&D can provide valuable supplemental coverage at a relatively low price, especially if it's purchased through a group like your workplace. If you're concerned about accidental death, or you work in a potentially hazardous occupation and can't afford to buy sufficient life insurance coverage, adding this rider might be a good option.

For more information on life insurance and life insurance policy riders, visit Protective's Learning Center. 


Note: Not all life insurance policies offer an AD&D insurance rider.



Arrows linking indicating relationship

Related Articles

A financial advisor working with their client to choose the best type of life insurance for their needs.

Understanding the different types of life insurance

Learn more
Family of four sitting on a log.

What is supplemental life insurance?

Learn more
Young couple on a scooter in a foreign country

Can short-term insurance ensure you're prepared for anything?

Learn more

All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax-related decisions. For information about Protective Life and its products and services, visit

Companies and organizations linked from Learning Center articles have no affiliation with Protective Life or its subsidiaries.