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accidental death and dismemberment (AD&D)

A type of coverage often written in conjunction with group life insurance plans. It essentially provides for (1) "double indemnity" when death is caused by an accident and (2) defined dismemberment benefits. It will generally pay the full principal sum when death occurs or more than one member (e.g., hand, eye, or foot) is lost in an accident. One-half of the principal sum is generally paid when one member is lost. See also Dismemberment; Double indemnity.


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