How does Connecticut law define "accidental death and dismemberment" insurance?

The definition of "accidental death and dismemberment" insurance under Connecticut law aligns with the choice indicating that it is a policy that pays benefits specifically upon accidental death or the loss of limbs or sight due to an accident. This type of insurance is designed to provide financial protection for individuals and their beneficiaries in the event of unforeseen accidents that lead to serious injuries or death.

This coverage typically does not extend to natural causes of death or illnesses, which distinguishes it from other forms of life insurance. It specifically focuses on incidents that are accidental in nature, ensuring that policyholders or their beneficiaries receive benefits when an accident results in loss of life, limbs, or vision.

Understanding this definition is important as it highlights the limited scope of coverage, reinforcing the policy’s purpose as a safety net for specific, unintentional injuries rather than broader health or life-related issues. In this context, the other options do not provide the accurate scope of coverage that accidental death and dismemberment insurance offers, further solidifying why the correct choice emphasizes the accidental nature of the events insured.