Who is AD&D beneficiary?

A beneficiary is the person who will receive the proceeds of your AD&D insurance should you pass away due to an accidental injury. You can choose anyone as your beneficiary and change your designation at any time. And when you add or change a beneficiary online, your designation becomes effective immediately.

https://hr.unm.edu/benefits/accidental-death-and-dismemberment#:~:text=A%20beneficiary%20is%20the%20person,your%20designation%20becomes%20effective%20immediately.