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Life insurance terminology shouldn't be confusing. Here is the definition of accidental death and dismemberment rider.
A policy add-on that will have the Insurance Carrier pay out an additional benefits -- up to the full amount of the death benefit -- if either the insured's death is the result of an accident or loses a limb or digit because of an accident.
Unless an insured has a high-risk job or avocation, it's usually not worth the extra cost, as it's rarely paid out by insurance carriers.