Which of the following riders provides financial protection in case of a disability?

The Waiver of Premium rider is specifically designed to provide financial protection in the event of a disability. When this rider is included in a life insurance policy, it allows the policyholder to waive premium payments if they become disabled for a certain period of time, as defined in the policy. This means that although the policyholder may be unable to work and earn income due to their disability, their life insurance coverage remains active without the need to make premium payments during the duration of their disability.

This rider is particularly valuable because it ensures that the policyholder is not at risk of losing their life insurance coverage while facing financial challenges due to a disabling condition. It can offer peace of mind, knowing that the coverage will stay in force during difficult times without the added financial burden of premium payments.

Other options, such as Return of Premium, Guaranteed Insurability, and Accidental Death, do not provide the same protection related to disability. Each of those riders serves different purposes, such as offering a refund of premiums paid if the policyholder outlives the term of the policy, allowing additional coverage to be purchased without medical underwriting, or providing a financial benefit in the event of accidental death. However, they do not address the specific need for continued coverage without