Question

Can the Accidental Death Benefit (ADB) rider be declined by the insurance company?

a.

Yes, if the application warrants it

b.

No, it is automatically added to the policy

c.

Only if the policyholder is over a certain age

d.

Only if the policyholder has pre-existing medical conditions

Posted under IC22 Life Insurance Underwriting

Answer: (a).Yes, if the application warrants it Explanation:The Accidental Death Benefit (ADB) rider can be accepted at standard rates, with a loading or can be declined if the application so warrants.

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Q. Can the Accidental Death Benefit (ADB) rider be declined by the insurance company?
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