Accidental death and dismemberment insurance
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UPDATED: Jul 16, 2021
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A policy that pays the beneficiaries a fixed death benefit but only if the insured person dies in or from a covered accident. Sometimes the policies pay extra benefits if the death occurred while a passenger on a common carrier, or while wearing a seatbelt. That is the “accidental death” portion of the policy. The policy also pays the policyowner a percentage of the face amount for the loss of an arm, leg, eye, etc. in a covered accident; the percentage typically varies with the extent of disablement or loss of bodily function, such as loss of one hand, 25%, one arm, 50%, both arms 100%, if the person loses the bodily parts or functions as a result of a covered accident. It is important to determine what types of accidents are covered and which are not. These policies are typically very inexpensive as most deaths occur from illness or disease, not accidents.