AD&D plans always have exclusions (activities/occupations/etc. that are NOT covered). Some common examples are:

• Aircraft pilots and crew members
• Air flight in a private craft
• War and terrorism
• Military
• Intoxication
• Attempt or commission of a crime
• Self-inflicted injury
• Suicide or attempt of suicide
• Parasailing/parachuting
• Incarceration

• As long as the accident is not excluded or related to a medical cause, the death/dismemberment is covered. This coverage is in force at home, at work, at play, or while traveling. Even very dangerous occupations such as law enforcement and fire fighting are covered.