Example: A client or producer applies this rule in a policy situation. The correct concept is Waiver of premium. Waiver of premium can keep coverage in force without premium payments during qualifying total disability.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Dies or becomes disabled as defined by the rider. Payor benefit can waive premiums on a juvenile policy if the person responsible for premiums dies or becomes disabled under the rider terms.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Accidental death rider. An accidental death rider provides an extra death benefit when death meets the rider's covered-accident conditions.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Guaranteed insurability. Guaranteed insurability provides future purchase options without new medical evidence, subject to rider limits.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Children's term rider. A children's term rider adds term life protection for eligible children under the base policy.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Add term life coverage on the insured's spouse. A spouse term rider adds term insurance on the spouse under the base policy.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Return of premium rider. Return-of-premium term coverage can return specified premiums if the insured survives the stated term.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Accelerated death benefit rider. Accelerated death benefits allow access to part of the death benefit after a qualifying terminal illness or other covered trigger.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Increase coverage based on an inflation measure, subject to rider terms. Cost-of-living riders can increase coverage to help offset inflation, according to the rider formula.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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Example: A client or producer applies this rule in a policy situation. The correct concept is Add temporary death protection. A term rider adds temporary insurance to a permanent base policy.

PTH original exam-prep item • Original practice item • PTH clean-bank stem rewrite; core concept/answer retained

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