Accidental deaths are the fourth leading cause of death in the U.S. Because accidental deaths are so common, having Accidental Death and Dismemberment (AD&D) coverage gives you peace of mind knowing your family is protected if you die in an accident. Some accidents that are covered by AD&D include traffic accidents, exposure, homicide, falls, heavy equipment accidents, and drowning. AD&D coverage is generally less expensive than life insurance and its low cost makes it affordable to many people. If you’re considering AD&D coverage, it’s a good idea to learn the basics before choosing a policy. Browse AD&D coverage topics, FAQs or glossary below to learn more.