Arkansas Life and Health Insurance Practice Exam

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All of the following riders will waive the premiums in the event of a disability, except?

  1. Accelerated Benefits Rider

  2. Disability Income Rider

  3. Guaranteed Insurability Rider

  4. Waiver of Premium Rider

The correct answer is: Accelerated Benefits Rider

The correct answer is A. The Accelerated Benefits Rider allows the policyholder to receive a portion of the death benefit early if certain conditions are met, such as terminal illness. This rider does not waive the premiums in the event of a disability. On the other hand, the Disability Income Rider, Guaranteed Insurability Rider, and Waiver of Premium Rider all have provisions to waive premiums in the event of a disability.

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