Which provision can provide additional security for a beneficiary in case of a common disaster?

The Common Disaster Provision is designed to address situations where both the insured and the beneficiary die in a common event, such as an accident. This provision ensures that the insurance benefits are paid out in a way that protects the interests of the beneficiary, particularly if the beneficiary's death occurs simultaneously or within a specified time frame after the insured's death.

In the event of a common disaster, the provision typically stipulates that the insured's policy benefits will be paid to a contingent beneficiary or to the insured's estate if the primary beneficiary does not survive the insured for a predetermined period. This can help ensure that the intent of the insured is honored and that assets are distributed in accordance with the insured's wishes, providing an additional layer of security and clarity in the handling of the death benefit.

Other options like the Contingent Beneficiary Clause serve a similar purpose but are not specifically tailored to address the situation of simultaneous death. The Accidental Death Rider adds additional benefits in cases of accidental death but does not change the implications of simultaneous deaths. The Policy Restoration Clause relates to restoring a policy after it has lapsed and does not pertain to beneficiary protection in death scenarios.