Life Policy ProvisionsQuestion 558 of 716
An accidental death benefit (double indemnity) rider generally pays the extra benefit only if death:
a.Is caused by a covered illness or natural bodily condition rather than by an external accidental injury to the insured
b.Occurs after the insured has reached age 70
c.Results from an accident, often within 90 days of the injury, and not from an excluded cause
d.Results from any cause whatsoever
Explanation
The accidental death rider pays an additional amount only when death is accidental and occurs within a stated time (commonly 90 days) of the injury, excluding causes like illness or suicide. It does not pay for death from any cause or from sickness.
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)