Question: Vicky owned a disability insurance (DI) policy with an accidental death and dismemberment (AD&D) rider. The policy had a 90-day waiting period and a benefit period of 2 years. Vicky was severely injured in a river rafting accident during a weekend. He made a claim, but died due to injuries during the waiting period. What outcome can be expected with regard to Vicky's claim and the AD&D rider benefit? a. Vicky's estate will receive the AD &D death benefit because his death was directly attributable to an accident. b. The insurer will not pay the AD &D death benefit because Vicky died during the 90-day waiting period. c. Vicky's estate will receive the AD &D death benefit and a refund of DI premiums because his death occurred within 365 days of the accident. d. The AD&D death benefit will not be paid due to standard exclusions because Vicky's death was caused by participation in dangerous sports.