The Accidental Death Rider pays double the face amount if death is caused by what circumstance?

The Accidental Death Rider is designed to provide additional benefits to a policyholder’s beneficiaries in the event of the insured's death due to an accident. The critical condition for the rider to pay out double the face amount is that the death must occur as a direct result of an accidental cause and within a specified timeframe, typically 90 days from the date of the accident. This timeframe ensures that the connection between the accidental event and the resulting death is clear and immediate, thereby justifying the additional payout.

When examining the other choices, they do not align with the stipulations of the Accidental Death Rider. Natural causes do not qualify because the rider specifically addresses accidental deaths. Illness resulting from an accident would not meet the criteria since it is the accident itself, rather than subsequent illness, that triggers the benefit. Specific accidents listed in the policy may cover certain situations, but the standard rider usually provides coverage for any accidental death within the defined timeframe, not just those specified. Thus, the key requirement for the rider's benefit is indeed death caused directly by an accident occurring within a specific period.