Arkansas Life and Health Insurance Practice Exam 2026 – The Comprehensive All-in-One Guide for Exam Success!

In this scenario, the accidental death and dismemberment policy includes a $200,000 principal sum and a $100,000 capital sum. Accidental death and dismemberment policies typically have specific amounts designated for different types of losses, such as loss of limb, sight, or other injuries.

In this case, the individual cut off a finger while mowing the lawn. Since the loss of a finger falls under the capital sum category in the policy, the policy will not pay out for this specific injury. Therefore, the correct answer is $0.

It's essential to understand the details and specific coverage limits of an insurance policy to determine the amount that will be paid out for different types of losses or injuries.