Which rider would pay a monthly amount because of total and permanent disability?

• A. Disability Waiver Rider
• B. Waiver of Premium Rider
• C. Disability Income Rider
• D. Accelerated Benefit Rider

Answer: (C)

The monthly income in the event of total and permanent disability is provided by the Disability Income Rider. This rider pays a fixed monthly benefit to replace lost earnings while the insured is totally disabled, continuing for a defined period or as long as the disability lasts, depending on the policy terms. It’s specifically designed to deliver ongoing cash flow, not to handle premium payments or to accelerate a death benefit.

In contrast, premium waiver riders stop premium payments during disability but do not provide a monthly cash income, and an Accelerated Benefit Rider allows an early, typically lump-sum payout of the death benefit for qualifying illnesses, not ongoing monthly disability income.