Exam Life-Producer Topic 1 Question 71 Discussion

Actual exam question for Maryland Insurance Administration's Life-Producer exam
Question #: 71
Topic #: 1
Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

Suggested Answer: D Vote an answer

Comprehensive and Detailed Step by Step Explanation:An accidental death rider pays an additional benefit if death results solely from an accident.
* Automobile accidents resulting from the insured's negligence (D):Covered, as negligence does not negate the accidental nature of the event. The death must result directly from the accident without other contributing factors like illness.
* Intentionally self-inflicted injuries (A):Excluded, as they are not accidental.
* Illness or disease (B):Excluded, as accidental death benefits only apply to unforeseen events, not natural causes.
* War or acts of war (C):Excluded in most policies due to specific exclusions for wartime risks.
References:Maryland Insurance Administration Policy Rider Guidelines and Accidental Death Coverage Standards, COMAR 31.09.04.

by Hermosa at Nov 20, 2025, 06:40 AM

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