AD Banker Comprehensive Practice Exam

In which case would the accidental death benefit not apply?

1. Death caused by an automobile accident

2. Death from being a passenger on an airline

3. Death from an occupational accident

4. Death caused by an intentional act

The correct answer is: Death caused by an intentional act

Accidental death benefits are designed to pay out in situations where a death is the result of unforeseen events. The stipulation of this type of benefit is that it typically does not cover deaths that result from intentional acts. When a death is caused by an intentional act, such as suicide, homicide where the policyholder is the perpetrator, or other deliberate actions, it typically falls outside the scope of coverage for accidental death benefits. In contrast, deaths resulting from automobile accidents, being a passenger on an airline, or occupational accidents are generally included within the terms of accidental death coverage, as these incidents are not intentional and happen unexpectedly. Therefore, the correct choice illustrates a clear guideline of accidental death benefits, emphasizing that intentional actions negate the applicability of these benefits.