If S dies of natural causes one year after purchasing a $50,000 whole life policy with a $50,000 Accidental Death and Dismemberment rider, how much will the insurer pay the beneficiary?

The insurer will pay the beneficiary $50,000 because S died of natural causes. Whole life insurance policies provide a death benefit to the beneficiary upon the insured's death, regardless of the cause of death, as long as the policy is in force at the time of death. In this case, the policy coverage is $50,000, which directly relates to the face amount of the whole life policy.

The Accidental Death and Dismemberment (AD&D) rider is specifically designed to provide an additional benefit if the insured dies or is dismembered due to an accident. Since S’s death was due to natural causes, the AD&D rider does not apply, and therefore no additional benefit would be paid out under that rider.

In conclusion, the total benefit paid out to the beneficiary is solely based on the whole life policy’s face amount of $50,000, leading to that amount being the payout in this situation.