Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income rider on a life insurance policy provides:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
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 while totally disabled, typically after an elimination period, without reducing the life insurance coverage. The death benefit remains available to the beneficiary. The rider converts part of the policy's values into an income stream during disability, addressing the risk that disability rather than death strikes first during the working years.
Why the other options are wrong
- B) The rider does not replace the death benefit; it adds an income benefit while the life coverage stays in force.
- C) Paying the premiums for the insured is the function of a waiver-of-premium rider, not a disability income rider.
- D) Income to the family after death describes the life policy's own death benefit or a family income rider.
Memory hook
Disability income rider = a paycheck during disability on top of intact life coverage. Two protections, one policy.