Which rider would be beneficial for someone concerned about their ability to work due to disability?

The Waiver of Premium Rider is particularly beneficial for an individual who is concerned about their ability to work due to disability. This rider provides a significant advantage because it allows the policyholder to waive their premium payments if they become disabled and are unable to work. Essentially, even if the policyholder suffers a qualifying disability and loses income as a result, their life insurance coverage remains in force without the financial burden of ongoing premium payments.

This feature is specifically designed to protect those who may face a loss of income due to health issues. It ensures that they won't have to worry about losing their life insurance protection during a challenging time when finances might be tight. When comparing this to other options, the Waiver of Premium Rider directly addresses the financial implications of a disability, whereas the other riders focus on different aspects of insurance coverage, such as accidental death benefits or premium returns, which don't offer the same level of direct support in the event of a disability impacting one's ability to work.