Florida Life and Health Insurance License Practice Test

Who will the Accidental Death benefits be paid to if both the insured and contingent beneficiary are killed in an accident?

1. The insured's estate

2. The primary beneficiary

3. The secondary beneficiary

4. The contingent beneficiary's estate

The correct answer is: The primary beneficiary

This is the correct answer because in this scenario, the primary beneficiary is the only surviving person listed as a potential recipient of the accidental death benefits. The insured and contingent beneficiary are both deceased, so their estates or heirs would not be eligible to receive the benefits. The secondary beneficiary is not a relevant option because they would only be eligible if the primary beneficiary predeceases the insured. Therefore, the primary beneficiary is the only appropriate choice in this specific situation.