Accidental death rider: what happens if insured dies due to accident?

• A. The insurer pays an additional death benefit to the beneficiary
• B. No extra benefits are paid
• C. Only pays if death occurs within 30 days
• D. The policy is terminated upon death

Answer: (A)

An accidental death rider adds extra protection by providing an additional death benefit if the insured dies as a result of an accident. When death is caused by an accident and meets the rider’s definitions, the beneficiary receives this extra amount on top of the base death benefit. For example, if the base policy pays 100,000 and the rider is 50,000, the beneficiary could receive 150,000. The rider does not terminate the policy upon death; it supplements the payout. Eligibility depends on the death being the direct result of an accident and meeting the rider’s timing and other criteria. If death isn’t accidental (or the criteria aren’t met), the rider’s extra benefit wouldn’t apply.