Why do I need AD&D if I have life insurance?

Why do I need AD&D if I have life insurance?

Accidental death and dismemberment (AD&D) insurance is an insurance policy that pays a death benefit upon the accidental death of an insured or upon the loss of a limb due to an accident. AD&D is purposed to serve as a supplement to regular life insurance as coverage is limited to certain types of accidents.

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