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A rider, sometimes referred to as Double Indemnity. May be added to some life insurance contracts. It provides that double or triple the face amount of insurance is payable if the death of the insured is caused by an accident.
There is an extra charge for the ADB. However, ADBs can be appealing because of their relatively low premium and the belief most people have that their death will be accident-related. But if double the coverage is actually needed, LLIS recommends doubling the face amount of the insurance since most deaths are not, in reality, accidental.