Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income rider attached to a life insurance policy provides which of the following?
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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 policyowner a monthly income if the insured becomes totally disabled, typically subject to a waiting (elimination) period before benefits begin and a defined maximum benefit period. Some disability riders also waive the premium during disability. The benefit is designed to replace lost income while the life insurance policy continues in force, and it is separate from the death benefit payable at death.
Why the other options are wrong
- B) The rider pays monthly income during disability; it does not accelerate the entire death benefit as a lump sum.
- C) The rider does not permanently increase the face amount of the policy.
- D) The rider covers the insured, not the insured's entire family.
Memory hook
Disability income rider: monthly checks when total disability hits, with a waiting period before the money starts.