The phrase "accidental dismemberment" means losing a body part, like a finger or arm, by accident or during a sudden, unexpected event. Full definition
Riders are like extra benefit e.g. Accidental Death Benefit, Accidental Dismemberment Benefit, Waiver of Premium (mydailylifetips.com)
TD Business Credit Life Insurance1 provides life and accidental dismemberment protection, and can pay up to $ 1 million per Insured Person2 towards: (td.com)
Accidental dismemberment coverage underwritten by TD Life Insurance Company. (td.com)