Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income rider added to a life insurance policy provides:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A disability income rider is added to a life policy to provide the insured with a monthly income during total disability, typically after a waiting or elimination period. The benefit can help replace lost earnings and may also cover premium payments during the disability. The rider is separate from the basic death benefit: if the insured dies, the death benefit is still paid to the beneficiary. It is distinct from accidental death benefits, medical expense coverage, and lump-sum disability payouts.
Why the other options are wrong
- A) An increased benefit for accidental death describes an accidental death benefit rider, not a disability income rider.
- B) Covering hospital medical expenses is the role of a medical expense or hospital indemnity policy, not a disability income rider.
- C) The disability income rider pays recurring monthly income to the insured, not a one-time lump sum to the beneficiary.
Memory hook
Disability rider = a paycheck when disability strikes, on top of the death benefit.