Kentucky Life Insurance State Practice Exam

Supplemental coverage often refers to additional benefits or riders that can enhance a primary life insurance policy. Accidental death coverage is a common type of supplemental coverage that provides an additional benefit in the event of the insured's death resulting from an accident. This coverage is appealing because it addresses the unique risks associated with accidental fatalities, offering policyholders reassurance and financial protection beyond what a typical life insurance policy might provide.

In contrast, the other options, such as term life coverage, whole life coverage, and universal life coverage, represent different types of life insurance policies rather than supplemental benefits that would be added to an existing policy. While these policies could offer essential life insurance protections, they do not serve as supplemental to an existing plan in the same way that an accidental death benefit does. Hence, they do not align with the concept of supplemental coverage focusing on enhancing an existing policy.