Accident & Health FundamentalsQuestion 652 of 716
A future increase option (guaranteed insurability) rider on a DI policy lets the insured:
a.Buy additional monthly benefit as income grows, without new medical underwriting
b.Skip the elimination period on claims
c.Change occupations with no tax effect
d.Decrease the monthly benefit only, in order to lower the premium as the insured grows steadily older
Explanation
The future increase option lets the insured raise the benefit as earnings rise, without proving insurability again. It does not reduce coverage, address occupation taxes, or waive the elimination period.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)