Buying life insurance is a sensible thing to do and is absolutely essential. It protects you and pays for expenses resulting from illnesses, disability and death, and also gives the nominee a lump sum of money so that he or she need not be in financial difficulties.

There is another kind of life insurance, which is called the accidental death insurance, and covers the insured if death is due to some accident. It covers death resulting from injury or disability but does not necessarily cover suicide. Suicide and murder are two different things and not comparable to accidental death or injuries. This type of insurance is designed to cover all accidental deaths and is a cheap form of life insurance. This is because it covers only accidents. It is also commonly referred to as AD&D (accidental death and dismemberment) policy.

Life is very unpredictable and one never knows what may happen the next moment. There may be illness, accident or simply sudden death and the family is left with only memories. Sometimes the death expenses are very high, making the family to suffer financially for a long time. Insurance takes care of all that.

AD &D insurance covers not only accidental deaths but also covers loss of bodily functions or limbs. Loss of sight or hearing, are a couple of ailments covered by AD&D. Accidents can happen at home, in office, on the road or anywhere else. The insurance will cover any expenses related to such deaths. In some life insurance policies the beneficiary may rarely get money as the cause of death is not covered or the coverage was not maintained till death actually occurs. It is absolutely essential to read the policy very carefully and thoroughly before signing it. In AD & D insurance, sometimes professional athletes and people involved in flying or parachuting may be excluded. Sometimes racing on wheels or mountaineering may also not be included in the policy. You should always clear all this right in the beginning so that you or your heirs will not have any problem later on.

AD & D can be purchased along with a standard life or health insurance or it can be purchased separately. Some cases may not be included in the policy and you should read the terms properly. If you are in surgery and die, due to a bacterial infection or mental or physical illness or have drug overdose which results in your death, you may not be covered by accidental death and dismemberment insurance.

It is very easy to buy this insurance, as the information is readily available. Also, some major insurance companies offer double or triple payouts in case of accidental deaths. So while buying insurance you have to make sure you are getting the best deal. Whether it is purchased as a rider to your standard life of health insurance, or bought separately you should make sure that you and your loved ones are properly covered by the policy. Accidental death insurance is a good buy and is not all that expensive. Everyone can afford its premiums.