Accidental Death & Dismemberment (AD&D) pays additional benefits to any life insurance plan, in the event of an accidental death. Covered accidents range from exposure, falls, heavy equipment accidents or traffic accidents. Dismemberment covers the loss of limbs, fingers, toes or eyesight. If you have an AD&D policy, you only pay for the sustained protection, as these policies are not a vehicle for investment. This coverage typically has four types of group plans, including Dependents, Group Life Supplement, Travel Accident or Voluntary.