Which of the following riders allows for an additional benefit in the event of accidental death?

The rider that allows for an additional benefit in the event of accidental death is known as the Accidental Death Benefit rider. This rider provides a supplementary payout to the beneficiaries in addition to the standard death benefit if the insured dies as a result of an accident. This feature is designed to enhance the policy's value by offering increased financial support during a tragic event, specifically one caused by an unforeseen accident.

The Accidental Death Benefit rider can often be a critical component for individuals looking to improve their life insurance coverage, especially for those in high-risk professions or lifestyles. It caters to the concern that fatal accidents can occur and ensures that the policyholder's loved ones are financially supported if such an unfortunate event arises.

This rider operates independently of other types of riders, such as the Waiver of Premium rider, which provides for the continuation of coverage without premium payments if the insured becomes disabled, or the Term Conversion rider, which allows policyholders to convert a term life policy to a permanent one under certain conditions. The Cumulative Benefit rider, while beneficial, does not specifically address accidental deaths like the Accidental Death Benefit rider does. Hence, the focus and intent of the Accidental Death Benefit rider make it the correct choice for this question.