Life License Qualification Program (LLQP) Practice Exam

In which situation can an autopsy be performed after a death under an Accidental Death and Dismemberment policy?

1. When the cause of death is unknown

2. When the state prohibits this by law

3. When consent for the autopsy is not obtained

4. When foul play was a contributing factor

The correct answer is: When the cause of death is unknown

An autopsy can be performed after a death under an Accidental Death and Dismemberment (AD&D) policy when the cause of death is unknown. This is important because an autopsy serves to clarify the circumstances surrounding the death, especially in cases where the cause may impact the validity of the claim. The AD&D policy typically pays benefits based on specific instances of death or injury caused by an accident; therefore, understanding the precise cause is crucial for determining eligibility for benefits. In situations where the cause of death is ambiguous, an autopsy provides critical evidence that can aid in assessing the claim, ensuring that the insurer can make a fair and informed decision based on the findings. Autopsies are commonly initiated in such cases to ascertain any underlying conditions or external factors that may have contributed to the death. The other scenarios, such as legal prohibitions, lack of consent, or the implication of foul play, generally pertain to restrictions or legal considerations that would prevent an autopsy from being performed, rather than situations where it is permissible and often necessary. Understanding these nuances is vital for managing the complexities surrounding life insurance claims.