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When one thinks of accidental death and dismemberment insurance, a single, simple type of policy springs to mind.

While AD&D tends to be a very basic concept, it still comes in a variety of shapes, sizes and flavors. It can be a standalone policy, a rider, packaged with executive travel insurance among other forms. As part of a benefit package it can be a high-face amount, reasonably priced add-on to a term life insurance policy, part of the traditional travel package for employers with a large number of employees that travel both domestically and certainly internationally, or even a low face amount giveaway.

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