Bill Is Worried About Being Able to Pay His Premium

question 60

Multiple Choice

Bill is worried about being able to pay his premium if he is totally and permanently disabled before age 60. Which of the following riders should he consider?

• A) Waiver of premium disability benefit
• B) Accidental death benefit
• C) Guaranteed insurability option
• D) Cost-of-living protection
• E) Accelerated benefits

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Definitions:

Insecure Attachment

A type of attachment characterized by anxiety and uncertainty in relationships, often resulting from negative experiences in early development.

Depression

An ongoing mental disorder evidenced by prolonged periods of sadness or a withdrawal from engaging in activities, which heavily disrupts one's daily existence.

Mother

A female parent or caregiver, often playing a central role in child-rearing and emotional support within a family.

Sensorimotor Stage

The first of the four stages of cognitive development in Piaget's theory, spanning from birth to about 2 years, where infants learn about the world through their movements and sensory experiences.