Accidental death and dismemberment insurance is typically part of which type of coverage?

Accidental death and dismemberment (AD&D) insurance is most commonly associated with life insurance policies because it primarily provides financial protection in the event of the insured's accidental death or serious injury resulting in dismemberment. This type of coverage serves as a supplement to traditional life insurance by specifically addressing risks associated with accidents, enabling beneficiaries to receive a payout if the insured dies from an accident or suffers a severe physical injury.

Life insurance policies focus on providing financial stability to dependents in the event of the policyholder's death. By integrating AD&D coverage into life insurance, policyholders can ensure that their loved ones are financially protected against both natural causes of death and the consequences of accidental incidents. This additional layer of coverage enhances the overall value of life insurance by focusing on both natural and accidental risks.

Other types of insurance such as health insurance, property insurance, and liability insurance have different primary objectives and coverages. Health insurance generally covers medical expenses, property insurance protects physical assets, and liability insurance covers legal obligations stemming from injury or damage to third parties—none of which specifically address accidental death or dismemberment in the same way that life insurance policies do.