Which rider provides coverage for terminal illness?

The rider that specifically provides coverage for terminal illness is the Terminal Illness Rider. This rider allows policyholders to receive a portion of their life insurance benefit if they are diagnosed with a terminal illness, which is generally defined as a condition that is expected to result in death within a certain period, often 12 months. This financial support can ease the burden of medical expenses or provide necessary funds for personal matters during a challenging time.

In the context of other options, while the Critical Illness Rider might cover serious conditions, it does not specifically apply to terminal illnesses. The Accidental Death Rider provides benefits only in the event of death caused by accidents and does not pertain to illnesses at all. The Term Life Rider merely provides life insurance coverage for a specified term and does not include benefits for illnesses, leaving the Terminal Illness Rider as the precise option for those facing terminal health conditions.