In what scenario does the Double Indemnity benefit apply?

The Double Indemnity benefit is designed to provide a greater payout from a life insurance policy when the insured's death occurs under specific circumstances, typically in cases of accidental death. This benefit often applies when the insured dies as a result of an accident, and many policies stipulate that this accidental death must occur within a certain timeframe, such as 90 days, from the date of the accident.

In this case, the correct choice highlights that the Double Indemnity benefit applies if the insured accidentally dies within 90 days. This timeframe is significant because it establishes a direct and immediate correlation between the accident and the insured's death, reinforcing the concept that the payout is meant to offer additional financial protection in unexpected and tragic circumstances.

The other scenarios do not trigger the Double Indemnity benefit because they involve causes of death that are not accidental in nature, such as natural causes or long-term illnesses. Therefore, without an element of accident, the increased benefit does not apply. Additionally, while dying while traveling might seem relevant, it depends on the circumstances surrounding the death. If the death is due to an accident during travel, it could qualify, but simply traveling does not guarantee eligibility for the Double Indemnity benefit. Thus, the focus on accidental death