In the accident scenario, who will receive the Accidental Death benefits?

In this scenario, the designation of accidental death benefits typically follows the beneficiary provisions outlined in the policy. If P is the designated beneficiary, they would receive the entire amount of the accidental death benefit upon the policyholder's death due to an accident. This aligns with common insurance practices where only the named beneficiaries in the policy are entitled to claim benefits.

When a policy specifies a single beneficiary, like P, it ensures that the benefits go directly to that individual without splitting the payments among multiple parties unless stated otherwise in the policy. Therefore, P being the sole beneficiary is the reason they will receive the full accidental death benefits. Understanding how beneficiaries are designated in life insurance policies is crucial for recognizing the flow of benefits following an insured event.