An additional death benefit is a death benefit paid to a beneficiary as a supplement to a normal death benefit. In other words, additional death benefits provide extra sums in the event of the policyholder's death. However, some particular circumstances must usually be met in order for the additional death benefit to be approved.
There are a number of different circumstances that could trigger an additional death benefit. For example, if a policyholder dies much younger than expected, this could result in the approval of an additional death benefit. These benefits can be very large - sometimes as large as the primary death benefit. So, for example, a person who has a life insurance policy worth 2 million dollars could potentially have an additional death benefit that is also worth 2 million dollars.
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