Accidental Death Benefit Rider (ADB)
A rider paying a multiple of the face amount (commonly double - 'double indemnity') if death results from an accident, within a stated period after the accident.
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A disability income rider added to a life insurance policy provides:
A monthly income to the insured if he or she becomes totally disabled, helping pay premiums and living expenses. — A disability income rider is added to a life policy to provide the insured with a monthly income during total disability, typically after a waiting or elimination period. The benefit can help replace lost earnings and may also cover premium payments during the disability. The rider is separate from the basic death benefit: if the insured dies, the death benefit is still paid to the beneficiary. It is distinct from accidental death benefits, medical expense coverage, and lump-sum disability payouts.
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