Very informative.  I am filling out my Open Enrollment Benefits and this helped explain what AD&D insurance was.  I did have a question.  If you die (via accident) which qualifies for AD&D and you have a Life Insurance policy as well, do both policies pay out?  Or is one of the policies pro-rated after the other is paid out?  My employer offers very cheap plans for both Life and AD&D insurance.  Trying to figure out how much is enough or too much.