Which rider provides coverage against potential cost due to not paying premiums if the insured becomes unable to work due to disability?

The waiver of premium rider is designed to protect policyholders who become disabled and unable to work. This rider allows the insured to maintain their life insurance policy without having to pay premiums during the period of their disability. If the insured qualifies for the waiver, the premiums that would typically be due are waived, ensuring that the policy remains in force even when the insured is not financially able to make those payments due to their condition.

This rider is particularly important because it provides a safeguard against losing life insurance coverage during times of financial strain caused by a disability, thus addressing concerns about the continuity of protection for the insured and their beneficiaries. The other riders listed serve different purposes, such as allowing for additional coverage options or benefits but do not specifically address the issue of premium payments when the insured is unable to work due to illness or injury.