Life Insurance What Does AD&D Mean? 
Accidental Death and Dismemberment Insurance Normally , AD&D is a rider attached to a life or health policy that gives benefits in case of death by accidental means or provides a set income in case of loss of certain body parts . AD&D riders are usually written so the insurer will pay double the payable amount in case of accidental death . These are sometimes known as double indemnity riders . 