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.
Accidental death and dismemberment insurance pays out only if a death is accidental (like a car crash), or you suffer a severe injury, such as losing a limb. If you want to ensure your family gets a life insurance payout after your death, choose life insurance, not AD&D.