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 comesin a variety of shapes, sizes and flavors. It can be a standalonepolicy, a rider, packaged with executive travel insurance amongother forms. As part of a benefit package it can be a high-faceamount, reasonably priced add-on to a term life insurance policy,part of the traditional travel package for employers with a largenumber of employees that travel both domestically and certainlyinternationally, or even a low face amount giveaway.

It remains a very popular benefit. Employees, many brokers, andinsurance carriers are huge proponents of AD&D. Some, however,look at the concept and the probability of the policy or rideractually being utilized and feel substantially lessenthusiastic.