Does AD&D require voluntary life?

Do I need both life insurance and AD&D? There’s no need to purchase life insurance and AD&D coverage because a voluntary life insurance policy covers the same causes of death as an AD&D policy as well as many others. 14-Jan-2022

https://www.fool.com/the-ascent/insurance/life/voluntary-life-insurance/#:~:text=Do%20I%20need%20both%20life,as%20well%20as%20many%20others.