An accidental death benefit rider typically pays a benefit if the insured dies from what?

An accidental death benefit rider is specifically designed to provide additional coverage in the event that the insured dies as a result of an accident, which typically includes injuries sustained in a traffic crash. This rider is intended to offer financial support to the beneficiaries when the death is due to an unforeseen and unexpected event, differentiating it from deaths caused by chronic illnesses, natural causes, or suicide, which do not fall under the accidental category. Therefore, when the insured suffers an injury due to a traffic accident, the rider activates to pay out the specified benefit, highlighting the intent of this rider to address accidental deaths specifically.