Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income rider added to a life insurance policy:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A disability income rider provides monthly income to the insured if total disability occurs, in addition to the base life insurance protection. It typically begins after a waiting period and pays for a defined period. This rider differs from a waiver of premium rider, which only forgives the premium during disability. The disability income rider supplies replacement income, addressing the loss of earnings that total disability causes, and is commonly added to individual life policies for income protection during working years.
Why the other options are wrong
- B) Waiving premiums is the function of the waiver of premium rider, not a disability income rider, which pays cash income. The two riders address different consequences of disability. Both riders may be added to the same policy.
- C) The rider does not double the death benefit; it provides separate income during disability before death occurs. The base death benefit is unaffected by the rider's income payments. The two amounts are separate and independent.
- D) Retirement income is not the purpose of a disability income rider, which targets loss of earnings from disability. Retirement funding is a separate planning goal. The rider replaces earnings during disability only.
Memory hook
DI rider = a paycheck that keeps coming when total disability stops yours.