Which rider would keep a health policy active if the policyowner becomes totally disabled?

The Waiver of Premium rider is designed to protect policyholders in the event they become totally disabled. This rider allows the policy to remain in force without the need for premium payments during the period of total disability. Essentially, if the policy owner meets the criteria for total disability as defined in the insurance policy, the insurer will waive any premium payments that would otherwise be due, enabling the individual to maintain their coverage without financial strain.

This is particularly important for individuals who may face significant income loss due to their disability, allowing them to retain essential coverage without incurring additional financial burdens. The intention behind this rider is to ensure that a policyholder does not lose their health insurance simply due to an inability to pay premiums resulting from a medical condition or injury that renders them unable to work.

Other riders listed, while beneficial, do not serve the same purpose of waiving premium payments due to total disability. For instance, the guaranteed insurability rider allows policyholders to purchase additional coverage without proof of insurability later on, while the accelerated benefits rider provides access to a portion of the death benefit under certain conditions, but doesn’t maintain the policy’s premium status in the event of total disability. Finally, the accidental death rider provides additional benefits in the event of