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An AD&D (or Accidental Death Benefit) rider on a life policy typically pays:
An additional amount (often equal to the base face — 'double indemnity') if death results from accidental bodily injury within a stated period of the accident
BTriple the policy's full face amount whenever death occurs while the insured is personally operating, or riding as a passenger in, a registered private passenger motor vehicle
COnly the base face amount of the policy and nothing more, regardless of whether the death turns out to be caused by an accident or by ordinary natural causes
DA guaranteed level monthly income benefit payable continuously for the insured's entire remaining lifetime, regardless of the underlying cause of the death
Why this is the answer
The Accidental Death Benefit (ADB) rider — colloquially 'double indemnity' — pays an additional sum on top of the base death benefit if the insured dies directly and exclusively from accidental bodily injury, typically within 90 days of the accident. The dismemberment component of AD&D pays scheduled amounts (capital sum or fractional amounts) for loss of limbs, sight, or hearing. Standard exclusions are broad: suicide, war, aviation other than as fare-paying passenger, drug overdose, illness, or natural causes. The rider expires at a stated age (usually 65 or 70).
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