Which of the following is typically included in a life insurance policy?

A life insurance policy typically includes a variety of features that provide financial security to beneficiaries upon the insured's death. The accidental death benefit is one of these features, designed to provide additional payout if the insured dies as a result of an accident. This effectively enhances the overall benefit of the policy, ensuring that the insured's loved ones receive increased financial support under tragic circumstances.

Other features that may be part of life insurance policies typically include various riders or options that can be added for extra coverage, but they are not standard components of every life insurance policy. For example, investment options and cash value are typically associated with permanent life insurance products, like whole life and universal life policies, rather than being standard inclusions. A health insurance component is distinctly separate from life insurance and usually doesn’t form part of the life insurance coverage itself.

Recognizing the purpose of each feature helps in understanding the comprehensive nature of life insurance products, where the accidental death benefit plays a key role in fostering peace of mind for policyholders and their families.