What is Accidental Death And Dismemberment Insurance?

Legal Definition
In insurance, accidental death and dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death is an accident. This is a limited form of life insurance which is generally less expensive.
-- Wikipedia
Legal Definition
An insurance policy that pays when the insured person dies. This is a death due to accident or incapacitating injury.