All of the following statements regarding the accidental death benefit ("double indemnity") rider are true EXCEPT: accidental injury must be the cause of death for the increased benefit to be paid one argument for not purchasing the rider is that most people die as a result of disease rather than from an accident the economic value of a human life is doubled if death is caused by an accident, justifying the purchase of the rider the accidental death must occur prior to some specified age for the increased benefit to be paid