What is one of the main benefits of a 'critical illness' rider?

One of the main benefits of a critical illness rider is that it offers immediate cash for specific serious health conditions. This rider is designed to provide policyholders with a lump sum payment upon diagnosis of a qualifying critical illness, such as cancer, heart attack, or stroke. This financial support can be crucial for covering medical expenses, treatment costs, or other living expenses during a challenging time when the insured might be unable to work. The immediate access to funds can help alleviate financial stress and allow the individual to focus on recovery without the burden of monetary concerns.

In contrast, other options do not align with the primary function of a critical illness rider. For example, providing a death benefit for natural causes refers to the standard provisions of life insurance rather than the specific benefits of a rider aimed at critical illnesses. Similarly, increasing the premium without any additional coverage or extending the policy term without fees would not be considered beneficial features of a rider that targets critical illness.