Which of the following riders allows for additional insurance to be purchased at predetermined intervals?

The guaranteed insurability rider allows the policyholder to purchase additional amounts of life insurance at predetermined intervals without needing to provide evidence of insurability. This can be particularly beneficial as it enables individuals to increase their coverage as their financial responsibilities grow—such as after significant life events like marriage or the birth of a child—while sidestepping the potential challenges of health changes that could occur over time.

This rider can help ensure that the policyholder maintains adequate coverage, especially if their health deteriorates in the future, making it difficult or impossible to qualify for new policies. By including this option in a life insurance policy, it provides flexibility and security to policyholders, allowing them to adapt their insurance needs throughout different life stages.

The other riders mentioned in the question serve different purposes. For instance, the waiver of premium rider allows for premiums to be waived if the policyholder becomes disabled, but it does not enable additional coverage purchases. A term rider offers temporary coverage for a specified period but does not include provisions for increasing coverage later. The accidental death rider provides an additional payout if the insured dies from an accident but also lacks the feature of additional purchase options. Thus, the guaranteed insurability rider is uniquely designed to provide the ability to increase coverage