A $100,000 group Accidental Death and Dismemberment policy pays double indemnity for what specific event?

The correct answer highlights that a $100,000 group Accidental Death and Dismemberment (AD&D) policy typically pays double indemnity specifically for death resulting from a commercial airplane crash. This provision is often included in insurance policies to provide additional coverage and financial support for individuals involved in what is regarded as a high-risk activity.

Commercial airplane crashes are viewed as exceptional events due to the potential for a greater loss of life and the dramatic circumstances surrounding such incidents. The insurance industry recognizes that the risk factors involved with commercial aviation differ significantly from those associated with more common modes of transportation or activities. As a result, many AD&D policies are structured to provide enhanced benefits in the event of fatal accidents occurring during commercial flights.

While other events like accidental drowning, automobile accidents, and work-related injuries can also result in fatalities or serious injuries, they typically do not include provisions for double indemnity under standard group AD&D policies. In essence, the emphasis on commercial airplane crashes reflects both the heightened risks and the broader social importance associated with aviation safety and the potential consequences in case of an accident.