The Double Indemnity Rider requires that the insured die within how many days of the accident?

The Double Indemnity Rider is a beneficial feature of certain life insurance policies that pays out an additional benefit if the insured dies as a result of an accident. This rider typically stipulates that for the double benefit to apply, the insured must die within a certain number of days following the accidental death.

In this context, the correct choice indicates that the insured must die within 90 days of the accident for the double indemnity benefit to take effect. This timeframe is designed to provide a balance between ensuring that the circumstances surrounding the death are directly related to the accident while also accommodating for any potential delay in the onset of fatal injuries that can sometimes occur following an incident.

This period is a standard practice in many policies, as it helps to clarify the conditions under which the additional benefit can be claimed and serves to mitigate the insurance company's risk by defining a clear timeframe. Understanding this aspect of the rider is essential for both policyholders and insurance professionals.