State RegulationsOH specificDifficulty 1/5
For an accidental death rider to pay an additional benefit, which condition must be satisfied?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The accidental death rider pays an additional amount only when death results directly and independently of all other causes from accidental bodily injury within the policy's stated time limit; illness and self-inflicted death are excluded. Ohio's standard provision law expressly contemplates such accidental-death provisions, which insurers may include at their option (ORC 3915.05(C)).
Why the other options are wrong
- A) Illness - including occupation-related illness - is the opposite of the accidental bodily injury requirement.
- B) The policy sets a short time limit after the injury; delay of a year typically defeats the claim rather than supporting it.
- C) Self-inflicted death is excluded from accidental death coverage.
Memory hook
Accident, direct cause, in time - or the extra benefit never triggers.