noun
accidental death rider; accidental death benefit rider
Insurance term: a rider that provides additional payout in case of accidental death. Often abbreviated as AD.
生命保険に災害割増特約を付けるかどうか検討している。
I'm considering whether to add an accidental death rider to my life insurance.
災害割増特約が付いていれば、事故による死亡時に保険金が上乗せされる。
If an accidental death rider is attached, the insurance payout is increased in the event of death by accident.
Compound of 災害 (disaster/accident) + 割増 (premium/surcharge) + 特約 (special clause/rider).