A Young Employee Is Buying Individual Life Insurance and Is

question 54

Multiple Choice

A young employee is buying individual life insurance and is worried about the impact inflation will have on his life insurance coverage. 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

---

Definitions:

Cardiac Patients

Individuals diagnosed with heart conditions that require medical management, monitoring, and sometimes surgical interventions to maintain heart health.

Prescribed Medication

Drugs or medicines that are given by a healthcare provider or physician to treat or prevent disease, requiring a prescription to be dispensed.

ECG Cycles

The series of electrical events during a single heartbeat, represented graphically in an electrocardiogram, which includes the P wave, QRS complex, and T wave.

Holter Monitor

A device that attaches electrodes to a patient’s chest for the purpose of obtaining a 24-hour ECG tracing in an accessory tape recorder.