Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income rider attached to a life insurance policy is designed to:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A disability income rider provides the insured with a monthly income if he or she becomes totally disabled, replacing a portion of lost earnings during the disability. This is different from the waiver of premium rider, which merely pays the policy premiums so coverage stays in force, and from the accelerated death benefit, which advances the death benefit for a terminal illness. The disability income rider typically has a waiting (elimination) period and pays for a defined benefit period.
Why the other options are wrong
- B) Waiving premiums is the function of the waiver of premium rider, a different rider.
- C) Advancing the death benefit for a disabling condition is not how a disability income rider works.
- D) The rider pays income; it does not increase the death benefit.
Memory hook
Disability income rider = salary replacement while disabled; waiver of premium just keeps the policy alive.