Insurance - Accidental death and dismemberment insurance

Accidental death and dismemberment insurance (also known as AD&D) is a policy that pays benefits to the beneficiary if the cause of death is due to an accident. This is a limited form of life insurance which is generally less expensive. Want to know some interesting figures of insurance? -Read further.

Types of accidental death and dismemberment insurance

Group Life Supplement - the AD&D benefit is included as part of a group life insurance contract, and the benefit amount is usually the same as that of the group life benefit;
Voluntary - the AD&D is offered to members of a group as a separate, elective benefit, and premiums are generally paid as a payroll deduction;
Travel Accident (Business Trip) - the AD&D benefit is provided through an employee benefit plan and provides supplemental accident protection to workers while they are traveling on company business (the entire premium is usually paid by the employer);
Dependents - Some group AD&D plans also provide coverage for dependents.

When accidental death insurance is needed?

I will post a picture of most common accidents in USA and thus make sense for the top of them to have an insurance.

Most accidents happen in conjugation with motor vehicle, exposure to deathly substances, falls and other non transport accidents. In all of those cases accidental death insurance sounds a good way to be sure.