What is Accidental Death and Dismemberment (AD&D) insurance? It's the overlooked, affordable rider that pays you (or your family) a lump sum when an accident changes everything. This is the second article in my series on the insurance gaps most families don’t know they have. If you read the mortgage protection piece, you already know employer sponsored life insurance often falls short. AD&D is the missing puzzle piece for the “I’m still here but everything is different” scena