Accidental Death and Apart from group-term Disablement life insurance, there are Widely recognized in the field as "AD&D," additional insurance this insurance provides compensation to options that you can the designated beneficiary of the employee present, such as: in the event of accidental death or loss of certain bodily functions (such as the loss of one arm and leg, which may lead to the payment of a portion of the total benefits). Split-dollar life insurance This type of insurance provides a payout to the designated beneficiary of the employee in the event of the employee's death, and it also refunds the premiums paid by the employer. Business travel accident insurance This insurance is limited to a specific event - the death of an employee during a business trip. If your employees do not travel frequently or at all, this policy may not be a wise investment. 3 11