What amount will a $100,000 Accidental Death and Dismemberment policy pay if the insured is killed in an accident on a commercial flight?

In the context of Accidental Death and Dismemberment (AD&D) insurance, policies often have specific provisions for scenarios involving commercial flights, as air travel is deemed a higher risk environment. Typically, if an insured individual dies from an accident on a commercial airline, the full amount of the coverage is doubled as a result of this provision. Thus, for a policy with a face value of $100,000, the inherent feature of the policy would provide an additional benefit due to the circumstances of the accident.

This means that in the unfortunate event of the insured’s death while participating in commercial flight activities, the payout would indeed amount to $200,000, reflecting this increased benefit from the airline accident provision. Therefore, under these circumstances, the correct amount payable would not be the initial coverage amount but rather double that sum, leading to the final payout.