Accidental death and dismemberment (AD&D) insurance provides benefits if the insured's death is caused by an accident, such as a commercial airline crash. This coverage is specifically designed for accidental injuries or death, and it does not typically cover natural causes such as heart attacks, strokes, or suicide.
[Reference: Virginia Life, Annuities, and Health Insurance Code, Section 38.2-3701 (Accidental Death and Dismemberment Insurance), , , ]
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