Martha recently determined that she should buy an additional $150,000 of life insurance to protect her family if she should die prematurely. Martha does not have a large emergency fund, and she is concerned about paying the life insurance premium if she is unable to work because of a disabling condition.Which one of the following riders to or provisions in her new life insusurance policy would best address this concern?

Martha recently determined that she should buy an additional $150,000 of life insurance to protect her family if she should die prematurely. Martha does not have a large emergency fund, and she is concerned about paying the life insurance premium if she is unable to work because of a disabling condition.Which one of the following riders to or provisions in her new life insusurance policy would best address this concern?



A. Assignment clause


B. Extended term insurance nonforfeiture option


C. Accelerated death benefit provision


D. Waiver of premium rider



Answer: D

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