What is the primary function of the accidental death rider in a life insurance policy?

The primary function of the accidental death rider in a life insurance policy is to provide double indemnity for death by accident. This rider can significantly enhance the policy's death benefit if the insured passes away as a result of an accident. Generally, it pays out an additional benefit over and above the standard death benefit that would be paid in the event of a non-accidental death.

This feature is particularly important for policyholders who want to ensure that their beneficiaries receive a greater financial cushion in the event of an unforeseen and tragic accident. It specifically addresses concerns related to accidental deaths, which, while not the majority of all deaths, can significantly impact financial planning and security for loved ones.

The other options do not align with the main purpose of an accidental death rider. For example, providing benefits after an illness does not fit within the realm of accidental death coverage. Similarly, covering long-term care costs or enabling tax benefits on distributions pertains to entirely different aspects of insurance products, such as health insurance or retirement accounts, rather than addressing accidents and their consequences specifically.