Which of the following doubles or triples the benefits if the insured dies as a direct result of an accident?

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The Accidental Death Benefit (ADB) rider is designed to provide additional financial protection in the event that the insured's death occurs as a direct result of an accident. This rider often doubles or even triples the face amount of the policy, depending on the terms established at the time the rider is added to the policy.

This is significant because it addresses a specific risk that may not be fully covered under a standard life insurance policy. The ADB rider essentially ensures that beneficiaries receive a higher payout, acknowledging the often sudden and unexpected nature of accidental deaths.

In contrast, riders like the cash value rider simply allow policyholders to accumulate cash value in a permanent life insurance policy, while the guaranteed insurability rider enables the insured to purchase additional insurance in the future without having to take a medical exam. The return of premium rider offers a refund of premiums paid if the insured outlives the policy term. However, none of these options provide the specific benefit increase in the event of an accidental death, making the ADB the most appropriate choice for the scenario presented.

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