Even in the law enforcement context, the State may interfere with an individual's Fourth Amendment interests with less than probable cause and without a warrant if the intrusion is only minimal and is justified by law enforcement purposes.
In insurance, accidental death and dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death is an accident. This is a limited form of life insurance which is generally less expensive. 1  1 Accidental death.  1.1 Common exclusions.
Offer TruStage Accidental Death & Dismemberment Insurance to your Credit Union Members. Accidents are the #1 cause of death for people under age 44. 1 Too often, a sudden accident can leave a family in a financial bind. Help members protect what matters most by making Accidental Death & Dismemberment (AD&D) coverage available at no cost to them. Then members can add more coverage at members-only pricing, providing your credit union with another source of non-interest income for years to come.