A rider that keeps a life insurance policy in force by paying the premiums for the policyowner if the insured becomes totally disabled is called the:

Explanation

The waiver of premium rider excuses the policyowner from paying premiums (the insurer pays them) while the insured is totally disabled, usually after a waiting period, keeping the policy fully in force. The accidental death benefit rider pays an additional amount if death results from an accident. The guaranteed insurability rider lets the owner buy additional coverage at set times without new evidence of insurability. The cost-of-living rider increases the death benefit to keep pace with inflation. Only waiver of premium addresses paying premiums during disability.