What does the Accidental Death Benefit rider provide?

The Accidental Death Benefit rider is designed to provide an additional payout in the event of the insured's death resulting from an accident. This means that if the insured dies due to an accidental cause, the rider typically pays out an additional death benefit over and above the standard life insurance policy's face amount. This rider enhances the financial protection for beneficiaries, reflecting the idea that accidental deaths often create unexpected circumstances that families may need to address.

While options regarding a triple payout or lower premiums may seem appealing, they do not accurately describe the primary function of the rider. The focus of the Accidental Death Benefit rider is primarily on providing additional financial support specific to accidents, rather than altering the base policy in terms of payout structure or premium costs.