Primerica Life Producer Practice Test 2025 - Free Life Insurance Practice Questions and Study Guide

The choice indicating that the insured will receive a monthly premium waiver along with monthly income accurately reflects the common features of a disability income benefit rider. This rider is specifically designed to provide financial support to an individual who becomes disabled and is unable to work due to a covered illness or injury.

With such a rider, the insured typically receives a certain percentage of their income on a monthly basis for the duration of their disability, helping to replace lost earnings. Additionally, the rider often includes a provision for waiving premiums during the period of disability, ensuring that the policy remains in force without additional financial burden on the insured. This dual benefit is crucial in providing both immediate financial assistance and long-term policy security for someone facing the challenges of a disability.

The other options do not align with the standard offerings associated with disability income benefit riders. A one-time lump sum payment does not represent the ongoing nature of income support that is essential in the event of disability. Extended insurance coverage and reduced premium payments also do not capture the primary purpose of the rider, which is to provide consistent monthly income and financial relief from premiums during times the insured is unable to work.