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

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Definitions:

Tidal Volume

The volume of air moved into or out of the lungs during a normal breath, essential in respiratory physiology.

Vital Capacity

The maximum amount of air a person can exhale after maximum inhalation, used to assess the health of the respiratory system.

Hemoglobin

A component of red blood cells, tasked with ferrying oxygen from the lungs to various bodily locations.

Plasma

The liquid component of blood in which the blood cells are suspended, consisting mainly of water, proteins, and salts.