Are Optional AD&D & Life excluded from federal tax wages?

I am not sure I understand your question but assume you are asking if an employee can elect to have premiums for option AD&D and optional life insurance deducted on a pre-tax basis under a Cafeteria Plan / Section 125 Plan.

I cannot put my hands on supporting authority but I believe pre-tax deductions for AD&D are generally fine. Pre-tax deductions for life insurance under a cafeteria plan, however, is only available for coverage up to $50,000--after that level the premiums must be taken out on an after-tax basis.

This thread may provide some additional information.