<Table> <Tr> <Td> </Td> <Td> The examples and perspective in this article deal primarily with the United States and do not represent a worldwide view of the subject . You may improve this article, discuss the issue on the talk page, or create a new article, as appropriate . (May 2015) (Learn how and when to remove this template message) </Td> </Tr> </Table> <Tr> <Td> </Td> <Td> The examples and perspective in this article deal primarily with the United States and do not represent a worldwide view of the subject . You may improve this article, discuss the issue on the talk page, or create a new article, as appropriate . (May 2015) (Learn how and when to remove this template message) </Td> </Tr> <P> In insurance, accidental death and dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death is an accident . This is a limited form of life insurance which is generally less expensive . </P> <P> In the event of an accidental death, this insurance will pay benefits in addition to any life insurance but only up to a set amount total regardless of any other insurance held by same insurer, held by the client . This is called double indemnity coverage and is often available even when accidental death insurance is merely an add - on to a regular life insurance plan . Some of the covered accidents include traffic accidents, exposure, homicide, falls, heavy equipment accidents and drowning . Accidental deaths are the fifth leading cause of death in the U.S. as well as in Canada . </P>

What is covered by accidental death and dismemberment insurance