Life · Chapter 5 · Riders
Accidental Death Benefit (Double Indemnity)
Definition
Pays a multiple of the face (2× = double indemnity) if death is accidental; the insured usually must die within 90 days of the accident.
Exam tip
The cause on the death certificate decides the claim — heart attack causing a crash = NO ADB. No ADB for illness, war, riot, self-inflicted injury, or private aviation.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms