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A
It covers all deaths regardless of cause
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B
ADB pays an additional death benefit (typically equal to the face amount — 'double indemnity') if the insured dies as a direct result of an accident, as defined in the rider — usually requiring death within 90 days of the accident and excluding excluded causes
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C
ADB covers dismemberment only, not death
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D
ADB eliminates the waiting period for all death claims
Why this is the answer
ACCIDENTAL DEATH BENEFIT (ADB) RIDER — also called Double Indemnity or Accidental Death and Dismemberment (AD&D) in some contexts — provides an additional death benefit on top of the base policy's face amount if the insured dies from a qualifying accident. KEY TERMS: ADDITIONAL BENEFIT — typically equal to the base face amount, effectively doubling the death benefit; QUALIFYING ACCIDENT DEFINITION — death must result directly and exclusively from an accidental bodily injury, independent of disease or other causes; TIMING REQUIREMENT — death must occur within a specified period (commonly 90 days, sometimes 180 days) after the accident; EXCLUSIONS — the ADB does NOT pay for death from: illness or disease (even if an accident-related injury worsens an existing condition); suicide; war; hazardous activities (aviation, some riders exclude drug/alcohol-related accidents); felony commission; PREMIUM — relatively inexpensive compared to the benefit because accidental death is less common than disease-related death; EXAM FOCUS — the rider is tested in the context of claim scenarios: 'client dies 120 days after car accident — ADB paid? Yes if the timing requirement is 90+ days. 'Client dies from heart attack triggered by car accident fright' — ADB probably not paid (death from disease, not accident). 'Client dies from falls while intoxicated' — depends on whether the rider's drunk/impairment exclusion applies.
Source: Life Insurance License Exam, Accidental Death Benefit Rider