Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income rider attached to a life insurance policy provides the insured with:
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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 if he or she becomes totally disabled, usually after a waiting (elimination) period and often until a stated age such as 65. It adds disability income protection to a life policy and charges additional premium. It differs from a waiver of premium rider, which merely excuses premium payments, and from accelerated death benefits, which advance death proceeds.
Why the other options are wrong
- B) Waiving the death benefit is not the function of the rider; it pays income during disability.
- C) The death benefit is not increased by this rider during disability.
- D) The face amount is not paid in a lump sum upon disability; the rider pays periodic income instead.
Memory hook
Disability income rider = a monthly paycheck when you cannot work, bolted onto a life policy. Waiting period first, then checks.