What is accidental death and disbursement mean?

Question

What is accidental death and disbursement mean?

Answer 1

good to know these things Earl, especially if you gotta hubby lol

Answer 2

AD&D,

Do you mean accidental death and DISMEMBERMENT?  Usually this is a double indemnity rider on a life insurance policy that will pay your beneficiary  a subsidy if you die an untimely death do to an accident.  Dismemberment: Insurance companies put dollar amounts on body parts you loose and that is how much they will pay you if you loose that part.

Answer 3

You have to read all the clauses in this kind of insurance..    I know someone who was in an accident and thrown from the vehicle, he didnt die right away, he died after crawling 20 feet. So the company didnt pay out.

Answer 4

If the death is by accident or if the person suffers a  disMEMBERment (lose an arm or leg or hand) happens, then the death benefit paid out is double!

It is the best value in the entire world of insurance - always get this additional rider.  It costs a tiny amount for the double coverage since the only other type of death than by accident, is natural causes which means that is many years away (well, I hope it is many years away!).  Plus you get the dismemberment coverage.