Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A life insurance policy includes a disability income rider. If the insured becomes totally disabled, this rider will typically:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A disability income rider pays the insured a monthly income during total disability, in addition to keeping the death benefit intact. It is sometimes called an income replacement rider. This differs from a waiver of premium rider, which only forgives premiums during disability. Benefits under the rider generally stop when the disability ends or the insured reaches a specified age.
Why the other options are wrong
- B) Waiving premiums is the function of a waiver of premium rider; a disability income rider actually pays money to the insured.
- C) Disability does not double the death benefit; the accidental death benefit rider pays an additional amount only for death by accident.
- D) The rider does not surrender cash value; it pays income during disability while the policy's cash value and death benefit remain in force.
Memory hook
Disability income rider = pays you a paycheck when disability hits. Waiver of premium = just cancels the bill.