Difficulty: Easy

Average Score: 88%

For which of the following losses would an insurance company MOST likely pay benefits under an Accidental Death and Dismemberment policy?

Rationale

Loss of eyesight due to an accidental injury.

An Accidental Death and Dismemberment (AD&D) policy provides benefits specifically for losses that result from accidental injuries. The loss of eyesight due to an accidental injury falls squarely within the coverage of such a policy, as it is a direct consequence of an accident.

A (Loss of life due to a heart attack) YOUR ANSWER

This scenario involves a medical condition rather than an accidental event. AD&D policies typically do not cover deaths resulting from natural causes like heart attacks, as these are not classified as accidents.

B (Loss of eyesight due to an accidental injury) CORRECT

This choice represents a clear case of accidental injury leading to a specific loss. Under AD&D policies, the loss of eyesight directly caused by an accident qualifies for benefits, making it the correct answer.

C (Loss of the spleen due to an accidental injury) YOUR ANSWER

While the loss of the spleen may result from an accident, AD&D policies often have specific definitions of covered losses. The spleen does not typically fall under the more common categories of dismemberment, which usually include limbs or senses like eyesight.

D (Partial paralysis due to a stroke) YOUR ANSWER

Partial paralysis resulting from a stroke is classified as a medical condition, not an accident. Since AD&D policies are designed to cover only accidental injuries, this scenario would not be eligible for benefits.

Conclusion

AD&D policies are specifically tailored to cover losses resulting from accidental injuries, making the loss of eyesight due to an accidental injury the only valid option among the provided choices. Other scenarios involve natural causes or medical issues, which are excluded from coverage under such policies. Understanding the distinction between accidental injuries and other types of losses is crucial when assessing insurance benefits.

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