What benefit does the Accidental Death and Dismemberment Rider offer?

The Accidental Death and Dismemberment Rider specifically provides benefits in the event of accidental death or injuries resulting in dismemberment. This rider enhances a life insurance policy by offering a payout that reflects both the seriousness of the accident and the nature of the injury.

In the case of accidental death, the rider pays the full amount of the life insurance policy to the beneficiaries, which is a significant advantage for those concerned about the financial impact of an untimely death due to an accident. Additionally, if the insured experiences dismemberment—such as the loss of a limb, sight, or hearing—the rider pays a specified percentage of the total benefit based on the severity of the injury. This dual benefit structure is what makes the rider particularly valuable, distinguishing it from standard life insurance coverage that primarily addresses natural death without specific provisions for accidental incidents.

The other options do not accurately reflect the nature of the rider. Full value for natural death is not covered under the rider, as it focuses on accidents. Providing additional life insurance is possible with other riders but does not describe the primary purpose of this specific rider. The rider also does not cover all accidents regardless of severity, as payouts depend on the nature and severity of the injuries incurred in the accident.