Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income rider attached to a life insurance policy provides:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The disability income rider pays the insured a monthly income during total disability - usually until age 65 - in addition to keeping the life insurance death benefit in force. It is distinct from the waiver of premium rider (which only waives premiums) and from accidental death benefits (which increase the death benefit). This rider is described under objective LIFE-III.1a.
Why the other options are wrong
- B) Waiving premiums during disability is the waiver of premium rider, not the income-paying disability income rider.
- C) An additional death benefit for accidental death is the accidental death benefit rider.
- D) The rider pays for disability, not retirement; it has no lump-sum retirement payout.
Memory hook
Disability income rider = a paycheck while disabled, on top of the death benefit.