Under a double indemnity provision, which death cause would trigger the extra benefit?

Under a double indemnity provision, which death cause would trigger the extra benefit?

• A. Natural causes
• B. Illness
• C. Accidental death
• D. Suicide

Answer: (C)

Double indemnity pays double the death benefit when the insured dies as a result of an accident—an external, unexpected event. Death from natural causes or illness isn’t considered accidental, so those scenarios don’t qualify for the extra payout. Suicide is typically excluded from accidental death coverage, especially within a specified period after the policy starts. So the only death scenario that triggers the extra benefit is death caused by an accident.

Double indemnity pays double the death benefit when the insured dies as a result of an accident—an external, unexpected event. Death from natural causes or illness isn’t considered accidental, so those scenarios don’t qualify for the extra payout. Suicide is typically excluded from accidental death coverage, especially within a specified period after the policy starts. So the only death scenario that triggers the extra benefit is death caused by an accident.