Robert is concerned about maintaining the integrity of his disability coverage over the long term. Only 33, he would like coverage to age 65. He is most concerned that he would incur a permanent disability over the course of the next five to 10 years, his peak activity years in the business, and the effect that inflation might have long-term on his disability income. He expects inflation to return to the 4-5% range in the near future and to stay at that level long-term.
Which of the following policy options would best match up with his objectives?
Question 14 options:
A)
A guaranteed insurability rider
B)
A lifetime benefit option
C)
A cost of living rider
D)
A future purchase option rider