An accidental death and dismemberment policy is not full life insurance. It pays out a lump sum if you die as a result of an accident. It doesn’t cover you for death by natural causes and that’s why the premiums are low. Accidental death is a limited life insurance policy, designed to cover the insured in the event of death due to an accident.
A death insurance policy has certain stipulations, and does not typically cover death resulting from health problems, such as serious illnesses or suicide. The specific aspects and details of what may or may not be covered by AD&D policy will be detailed with each provider. Death must be sudden, involuntary and unexpected where a disease should not be involved.