Do I Need Both Life Insurance and AD&D?

Shawn Plummer

CEO, The Annuity Expert

Life Insurance

Purpose: Provides financial protection for beneficiaries in case of the policyholder’s death from any cause (natural or accidental).

Accidental Death and Dismemberment (AD&D)

Purpose: Specifically covers deaths or injuries that occur as a result of an accident. Does not cover natural causes of death.

Do You Need Both?

  1. If concerned about both accidental and natural causes: A life insurance policy is comprehensive, covering death from both natural causes and accidents.
  2. If only concerned about accidental death: An AD&D policy would be sufficient, as it specifically covers accidental causes.

Related Reading: Does life insurance cover injury

Comparison of Coverage

Coverage TypeCovers Natural DeathCovers Accidental DeathCovers Dismemberment
Life InsuranceYesYesNo


While you don’t “need” both, choosing between life insurance and AD&D depends on your specific concerns about death and injury causes. Life insurance covers a broader spectrum, including natural and accidental deaths, while AD&D is focused on accidental scenarios. Assessing your personal and family needs will guide your decision.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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