The double indemnity provision in life insurance pertains to death caused by which of the following?

• A. Illness
• B. Natural causes
• C. Accident
• D. Suicide

Answer: (C)

Double indemnity is an extra benefit that specifically pays double the face amount when death results from an accident. It’s designed to provide additional financial protection for sudden, external events, not for deaths from illness or natural causes. So if the insured dies due to an accident, the policy pays twice the stated amount (subject to the policy’s definitions and any exclusions). Death from illness or natural causes would be covered only by the standard death benefit, not the extra double amount. Suicide is typically excluded, especially within a certain period after issue. In short, the double indemnity clause applies when death is the result of an accident.