Accidental Death & Dismemberment or AD&D is a type of coverage that will pay you 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 will cover the loss of limbs, fingers, toes or eye sight. If you have an AD&D policy you only pay for the sustained protection, AD&D insurance is not a vehicle for investment. AD&D typically has four different types of group plans. These plans range from Dependents, Group Life Supplement, Travel Accident or Voluntary.