Which rider would provide additional coverage if an insured suffers a critical illness?

The living benefit rider provides additional coverage in the event that the insured suffers from a critical illness. This rider allows the policyholder to access a portion of the life insurance death benefit while still alive if diagnosed with a qualifying critical illness, such as heart attack, stroke, or cancer. This feature is particularly important as it helps to alleviate financial burdens during a medical crisis by providing funds that can be used for treatment, rehabilitation, or other expenses related to the illness.

The other riders focus on different aspects of insurance coverage. For example, the accidental death rider pays an additional benefit if the insured dies due to an accident, but it does not specifically address critical illness. The waiver of premium rider allows the insured to skip premium payments if they become disabled, but it does not provide additional funds for a critical illness. Similarly, the guaranteed insurability rider allows the insured to purchase additional coverage at specific times without undergoing further medical underwriting, yet it does not offer financial assistance for critical illnesses.