Disability Income✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
The purpose of a disability income rider attached to a life insurance policy is to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A disability income rider on a life insurance policy pays a monthly income to the insured if they become totally disabled as defined in the rider. It is a supplement that adds living protection to a life product: while the death benefit protects the family after death, the disability income rider protects the insured during life. The rider is an elective addition with its own premium, and it is one of the standard life insurance riders that agents must be able to explain to clients.
Why the other options are wrong
- B) Accelerated death benefit riders pay the death benefit early for terminal or chronic illness; the disability income rider pays monthly income, not the death benefit.
- C) Medical expenses are covered by health insurance and are not the function of a disability income rider.
- D) Cash value accumulation is a property of the underlying life policy, not something a disability income rider provides.
Memory hook
Disability income rider = the life policy learns to pay while you're alive. Monthly checks if you're totally disabled.