Florida Life and Health Insurance License Practice Test 2025 - Free Insurance Practice Questions and Study Guide

Question: 1 / 400

S buys a $50,000 whole life policy with a $50,000 Accidental Death and Dismemberment rider. S dies of natural causes one year later. How much will the insurer pay the beneficiary?

$50,000

In this scenario, S has purchased a $50,000 whole life insurance policy with an additional $50,000 Accidental Death and Dismemberment rider. This means that in the event of S's death, the insurer will pay the beneficiary the face value of the policy, which is $50,000. Option A is the correct answer because S did not die due to an accident; they died of natural causes. The Accidental Death and Dismemberment rider only applies in cases of accidental deaths, so option B is incorrect. Option C is also incorrect because even though S died of natural causes, their beneficiary is still entitled to the face value of the whole life policy. Option D is incorrect as it incorrectly adds the face value of the whole life policy and the Accidental Death and Dismemberment rider. Therefore, the correct answer is option A, which is $

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$100,000

Nothing

$150,000

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