Accidental death rider provides what?

• A. Reduces benefits if death is accidental.
• B. Converts the policy to term.
• C. Pays an extra benefit if death is accidental; can be double/triple indemnity.
• D. Deletes the base death benefit.

Answer: (C)

An accidental death rider adds money to the policy only when death results from an accident. It pays an extra benefit on top of the base death benefit, and many riders offer double or triple indemnity—meaning the rider can pay two or three times the face amount depending on the terms. This extra payment is triggered by an accidental death defined by the rider and generally has time and eligibility rules. It does not reduce the base death benefit, it doesn’t convert the policy to term, and it doesn’t delete the base payout; it simply increases the amount payable if the death is caused by an accident.