Tennessee Insurance Practice Exam

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Which of the following is a key feature of an Accidental Death and Dismemberment policy?

Covers all types of injuries
Pays benefits for loss of life or limb
Only covers deaths from natural causes
Has no premium costs

The correct answer is: Pays benefits for loss of life or limb

An Accidental Death and Dismemberment policy primarily focuses on providing benefits specifically for certain types of injuries that result in the loss of life or the loss of limbs (such as arms or legs) due to accidents. This policy is distinct in that it does not cover all injuries, nor does it provide payouts for deaths caused by natural occurrences. It specifically outlines that benefits are triggered by accidental events, highlighting its targeted nature. This type of policy is designed to offer financial protection in the event of unintentional injury or fatality, making the provision of benefits for loss of life or limb the central feature of its coverage. By understanding this key component, it becomes clear how this policy serves individuals seeking additional security in the case of serious accidents.