Final answer:
AD&D insurance is the policy that provides coverage for accidental death, in addition to other life insurance benefits the insured might have.
Step-by-step explanation:
Accidental death coverage is designed to provide a benefit in the case of an unintentional death, such as in the event of a commercial airline accident. Among the options listed, AD&D insurance (Accidental Death and Dismemberment Insurance) specifically provides a benefit for accidental death. This type of insurance pays out in addition to any life insurance coverage the insured might have. Term life insurance and whole life insurance provide death benefits but they are not exclusive to accidental death. Disability income insurance, on the other hand, offers coverage for loss of income due to a disability and does not cover accidental death scenarios.