What will the beneficiary receive if an insured with a triple indemnity rider dies in an accident where fault was attributed to them?

In the context of life insurance policies, a triple indemnity rider is an additional provision that increases the benefits payable in the event of the insured's accidental death. Typically, this rider multiplies the death benefit by three in situations where the insured's death is caused by an accident.

If the basic death benefit amount is $75,000, for instance, the triple indemnity would make it $225,000 upon accidental death. It's important to note that such riders often have specific stipulations related to the circumstances surrounding the death; however, many policies still pay out the benefit even if the insured was at fault, as long as the death was classified as accidental.

In this case, since the insured died due to an accident—albeit with fault attributed to them—the beneficiary would still receive the full amount increased by the triple indemnity clause of the original death benefit. Therefore, the beneficiary would be entitled to $225,000, representing the base amount multiplied by three as stipulated by the rider.

Conversely, the other amounts listed do not represent the typical payout formula associated with the triple indemnity rider given the assumed regular base amount of coverage. The values of $675,000, $0, and $112,500 do not align