Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
An accidental death benefit (double indemnity) rider pays:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The accidental death benefit rider (double indemnity) pays an additional sum — commonly equal to the face amount — if the insured dies as a result of an accident, subject to conditions such as death within a stated time of the accident and exclusions for certain activities. It is term-like coverage attached to a life policy and adds premium for the extra protection.
Why the other options are wrong
- B) The rider is not limited to the first policy year; it covers accidental death throughout the coverage period (subject to age limits).
- C) The rider is an ADDITIONAL benefit on top of the face amount; it never replaces the death benefit with cash value.
- D) The benefit is payable to the policy's beneficiary, not to the employer, unless the employer is the named beneficiary.
Memory hook
Double indemnity = the policy pays twice if death is by accident. It is a bonus check, not a replacement — and it never pays for natural causes.