Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income rider added to a life insurance policy typically 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 if the insured becomes totally disabled, typically for a limited period and after an elimination or waiting period. It protects the insured's own income during disability rather than providing a death benefit, which is the function of the base policy. This rider is often added to life insurance to cover the income gap created by a long-term disability and is subject to its own definition of total disability.
Why the other options are wrong
- B) A lump sum at death is the base policy's death benefit, not the function of the disability income rider.
- C) A waiver-of-premium rider waives premiums during disability; the disability income rider pays income and does not waive the death benefit.
- D) Retirement income is the function of annuities or retirement plans, not of a disability income rider.
Memory hook
DI rider = income on wheels while you are disabled; the death benefit stays parked in the base policy.