Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A disability income rider attached to a life insurance policy provides the insured with:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The disability income rider pays the insured a monthly income benefit if the insured becomes totally disabled, helping replace lost earnings while the life policy stays in force. It is distinct from the waiver of premium rider, which only forgives premiums during disability, and from the death benefit, which pays the beneficiary at death. Some disability income riders may also waive premiums as part of the package, but the defining feature is the income stream. It does not create a savings fund or accelerate the death benefit.
Why the other options are wrong
- B) Waiver of premium only forgives premiums during disability. The disability income rider, by contrast, pays the insured a monthly income during disability.
- C) The death benefit is paid to the beneficiary at the insured's death. The disability income rider pays the insured while alive and disabled.
- D) Cash-value accumulation belongs to the base permanent policy. The disability income rider provides income protection, not a savings fund.
Memory hook
Disabled and on the policy? The rider writes the income check, not just the premium waiver.