Which rider pays a beneficiary a death benefit that is double or triple the face amount if the insured's death was caused by an accident?

The Accidental Death rider is specifically designed to provide additional financial protection to the beneficiary in the event of the insured's accidental death. This rider increases the death benefit by a specified amount, often doubling or tripling the face value of the policy.

This means that if the insured dies as a result of an accident, the coverage provided by this rider kicks in, enhancing the overall benefit paid out to the beneficiary. This serves as a key feature for individuals who want to ensure that their loved ones receive extra financial support in the event of an untimely and unexpected death due to an accident, recognizing the unique risks associated with accidental fatalities.

This rider is often not applicable in cases of death from natural causes or illnesses, which makes it distinct from other riders that provide different forms of coverage, such as disability income or long-term care riders. Each of those riders serves a unique purpose unrelated to providing enhanced death benefits specifically due to accidental causes.