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For the insurance company to pay under the accidental death rider, most companies require that the insured

Rationale

For the insurance company to pay under the accidental death rider, most companies require that the insured die within 90 days of the accident.

The majority of insurance companies stipulate that for an accidental death claim to be valid, the insured must pass away within a specified time frame, commonly 90 days from the date of the accident. This requirement ensures that the death is directly linked to the accident and reduces potential fraudulent claims.

A (die instantly in the accident.) YOUR ANSWER

This choice implies that the insured must die immediately upon the occurrence of the accident. However, most accidental death riders do not necessitate instant death; rather, they allow for a period during which death can occur as a result of the accident, typically up to 90 days.

B (die within 10 days of the accident.) YOUR ANSWER

While some policies may have shorter time frames, the common requirement is 90 days. A 10-day limit is less typical and would not encompass the range of potential complications or delayed fatalities that can arise from an accident.

C (has the policy in force at least two years prior to the accident.) YOUR ANSWER

This choice refers to the duration of the policy, which is not a standard requirement related to the timing of the death after an accident. While some policies may have a contestability period, the key requirement for the accidental death rider focuses on the timeframe of death following the accident, not the policy's duration.

D (die within 90 days of the accident.) CORRECT

This is the standard requirement for most accidental death riders. The 90-day window allows for the possibility of complications or delayed effects from the accident, ensuring that the death is considered a direct result of the incident.

Conclusion

In summary, the requirement that the insured die within 90 days of an accident is a standard clause in accidental death riders, linking the cause of death directly to the accident. Options A, B, and C misrepresent the common stipulations found in insurance policies, demonstrating the importance of understanding the specific terms related to accidental death claims.

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