In the event of accidental death, for which of the following losses would an insured typically receive the principal amount of the policy?

An insured would typically receive the principal amount of the policy for the loss of vision in both eyes because this type of loss is often classified as a total loss, which is usually covered under accidental death and dismemberment (AD&D) policies. In the context of these policies, a total loss of sight in both eyes is considered a significant and irrevocable impairment, warranting full payment of the principal sum.

In contrast, the other scenarios involve partial or less severe losses that may not qualify for the same level of benefit. The loss of a limb or the loss of use of a limb generally results in a benefit that is a fraction of the total policy amount, not the full principal sum, due to the nature of the impairment being less severe than complete vision loss. Similarly, losing vision in just one eye typically results in a lesser benefit compared to the complete loss of vision in both eyes, which recognizes the magnitude and the impact of the impairment on the insured's life.