Are insurers in Virginia required to provide accidental death benefits?

In Virginia, insurers are not obligated to provide accidental death benefits as a standard feature in all life insurance policies. Instead, many insurance companies present accidental death benefits as an optional rider that policyholders can choose to add to their existing policies. This allows individuals to customize their coverage based on their preferences and needs.

By having it as a rider, policyholders can decide if they want that additional layer of protection for scenarios specifically involving accidental death. This approach offers flexibility in terms of coverage limits and pricing, helping consumers tailor their insurance to fit their unique circumstances. Therefore, the correct answer accurately reflects the optional nature of accidental death benefits in Virginia life insurance policies.