What does disability specifics cover the risk of?

• A. The policy can give the policyholder the ability to purchase additional income protection, at certain points in time, without going through medical underwriting again
• B. Waiver of premium during disability
• C. Death benefit accelerated
• D. Premium refunds on disability

Answer: (A)

When thinking about disability coverage, a key risk is that your need for income protection can grow over time, while your health status might make it harder to obtain more coverage later. The feature described directly addresses that risk: it allows you to purchase additional income protection at certain points without going through medical underwriting again. This preserves your ability to increase coverage as your needs change, even if your health has changed since the original policy was issued (a guaranteed insurability-type option).

The other features are valuable, but they don’t tackle this particular risk. Waiver of premium during disability helps you skip premiums while you’re disabled, but it doesn’t expand or adjust the level of disability income protection. Accelerating the death benefit isn’t about disability income protection at all, and premium refunds on disability isn’t a standard way to ensure you can gain more coverage in the future.