However, the basic explanation of an AD&D rider is that if you die as a result of an accident, the life insurance company will double the original death benefit of your policy. (protective.com)
The original death benefit will still be paid out income tax free and the additional amount paid out to your beneficiary will be reported as interest income. (insuranceandestates.com)
If you die your family will get the original death benefit, less the amount that was deducted from the cash value to pay the premiums. (trustedchoice.com)