Which rider allows the insured to purchase additional disability insurance coverage without evidence of health-related insurability?

• A. Guaranteed Insurability Rider
• B. Waiver of Premium Rider
• C. Cost of Living Rider
• D. Disability Income Rider

Answer: (A)

The ability to buy more disability coverage later without proving health status is provided by a rider that protects future insurability. This Guaranteed Insurability Rider lets you increase your disability coverage at specific times or events (often at set ages or life events) without undergoing health questions or medical underwriting. The new coverage is priced based on your age when you exercise the option, not your current health, which matters because health can change over time and underwriting could otherwise block new coverage.

Other riders serve different purposes: Waiver of Premium simply waives premiums if you’re disabled, but doesn’t add new coverage; Cost of Living Rider increases the benefit amount for inflation, not the ability to purchase more coverage; Disability Income Rider adds ongoing monthly benefits for a disability, but again doesn’t grant new insurability without underwriting.