Question 56

Loss of eyesight due to an accidental injury

An insurance company would most likely pay benefits under an Accidental Death and Dismemberment policy for the loss of eyesight due to an accidental injury, as these policies are designed to cover specific types of losses resulting from accidents.

A) Loss of life due to a heart attack

This option is incorrect because a heart attack is typically considered a natural cause of death rather than an accident. Accidental Death and Dismemberment policies cover injuries resulting from specific accidents, not medical conditions.

B) Loss of eyesight due to an accidental injury

This option is correct as it directly relates to the type of losses covered under an Accidental Death and Dismemberment policy. The policy specifically addresses losses resulting from accidents, and loss of eyesight due to an accidental injury qualifies as such.

C) Loss of the spleen due to an accidental injury

While this option does involve an injury, it is less likely to be specifically covered compared to the loss of eyesight. Accidental Death and Dismemberment policies typically highlight more significant and recognizable injuries, making this option less applicable.

D) Partial paralysis due to a stroke

This option is incorrect as partial paralysis resulting from a stroke is considered a medical condition rather than an accidental injury. Accidental Death and Dismemberment policies do not cover losses resulting from medical issues or conditions.

Conclusion

The correct answer is B, as it aligns with the core purpose of Accidental Death and Dismemberment policies, which is to provide coverage for losses directly caused by accidents. Other options either relate to natural causes or medical conditions, which are not covered under such policies, thereby confirming that B is the definitive choice.