If you are accidentally killed within two years of buying a life insurance policy, what will the insurance company usually do?

The correct response indicates that if someone is accidentally killed within two years of purchasing a life insurance policy, the insurance company will typically pay the face amount of the policy. This is because accidental deaths do not fall under the suicide clause, which is generally applicable in the first two years of a policy. The insurance policy is designed to provide a death benefit to beneficiaries in the event of the policyholder's death, regardless of whether the death was accidental or not, as long as it does not violate any exclusions outlined in the policy.

In this context, a refund of premiums due to a death being categorized as suicide is not applicable since an accidental death does not fit this definition and would not lead to the same outcome. Similarly, a payment of double the face amount usually pertains to specific types of policies or under particular circumstances, such as an accidental death benefit rider, which would need to be explicitly mentioned in the policy itself. Finally, paying nothing would occur only if the claim was invalid due to exclusions or non-compliance with policy terms, which is not the case with a valid claim for accidental death.