What Is Voluntary AD&D Life Insurance? 
That is a great question ! AD&D , or Accidental Death & Dismemberment is a type of policy that covers a very specific type of injury and death . Many people will purchase it , thinking that it will provide adequate insurance in the event of one 's death . And it will , IF the death is the result of an accident . If it has to do with a sickness , disease or health issue like a stroke or heart attack , it provides no coverage at all , in nearly every case . It is a great , low cost way to protect against disability due to an accidental injury , and to supplement life insurance coverage , but I absolutely do not recommend it as a stand alone policy for life insurance . If you would like more information , please contact me , I 'd be happy to set aside some time to talk to you privately about this . Thank you for asking ! 