Texas Life Insurance Exam 2025 – 400 Free Practice Questions to Pass the Exam

An accidental death benefit rider in life insurance is an additional provision that increases the death benefit if the insured dies as a result of an accident. This rider provides extra financial protection to the beneficiaries in the event of an unforeseen death due to an accident, which may not be covered under a standard life insurance policy.

This benefit effectively doubles the payout in case of accidental death, offering peace of mind to policyholders and their loved ones. It is especially valuable considering that such scenarios often result in sudden financial burdens for the deceased's family.

The other choices do not accurately define the accidental death benefit rider. While one refers to reducing premiums, that concept is unrelated to the purpose of this rider, which focuses solely on increased coverage under specific circumstances. Similarly, the reference to benefits for temporary disabilities and the option to cancel the policy doesn't align with the nature or intentions of an accidental death benefit rider, which is strictly concerned with providing enhanced benefits for fatal accidents.