# [Health Insurance] 62, Accidental Death and Dismemberment Insurance

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-62-accidental-death-and-dismemberment-insurance
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-62-accidental-death-and-dismemberment-insurance.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-05-28T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/9aa1dbe6-e039-40b4-8150-3ee54f5d84ca.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/health-insurance-62-accidental-death-and-dismemberment-insurance
Duration seconds: 183

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The difference between the Principal Sum (for accidental death) and the Capital Sum (for dismemberment). - Why AD&D will not pay for a death caused by a sickness, like a heart attack, even if it results in an accident. - How the 90-day time limit between the accident and the loss is a critical factor for a claim to be paid. - The key distinction between a standalone AD&D policy and a double indemnity rider on a life insurance policy. - Common policy exclusions such as suicide, war, commission of a felony, and intoxication. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/health-insurance-62-accidental-death-and-dismemberment-insurance/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-62-accidental-death-and-dismemberment-insurance.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.