What is the primary purpose of the accidental death and dismemberment rider?

The primary purpose of the accidental death and dismemberment rider is to offer additional benefits for certain types of deaths, specifically those resulting from accidents. This rider enhances a standard life insurance policy by providing an extra benefit in cases of accidental death, as well as benefits in the event of dismemberment (e.g., loss of a limb or eyesight). The rationale behind this is to provide policyholders and their beneficiaries with financial support in situations where unforeseen accidents lead to death or severe injury. This additional layer of protection can be particularly important for individuals in high-risk occupations or lifestyles.

The other choices do not accurately reflect the function of this rider. Coverage for chronic illness pertains to different types of riders intended for health-related issues and does not align with the focus on accidental injuries. The accumulation of cash value is a feature typically associated with whole life or universal life insurance policies, not accident-related coverage. Lastly, replacing lost income during illness or injury relates to disability insurance, which is distinct from the accidental death and dismemberment rider's focus on accidents specifically.