Because of an injury, an insured has been unable to work for 7 months. He wasn't able to pay his life insurance policy premium, yet the policy remained in force. The policy includes:

The correct answer is that the policy includes a Waiver of Premium rider. This rider is specifically designed to alleviate the financial burden on the policyholder in the event of a disability. When this rider is included in a life insurance policy, it allows the policy to remain in force even if the insured is unable to pay the premiums due to a qualifying injury or illness.

In the scenario described, the insured has been unable to work for 7 months due to an injury, which likely qualifies as a valid reason for utilizing the Waiver of Premium rider. As a result, the policy has stayed active without the insured needing to pay premiums during this time, which directly reflects the purpose of this rider.

The other options do not apply in this situation. An Accelerated Death Benefit allows the insured to receive a portion of the death benefit while still living under certain conditions, usually related to terminal illness. A Return of Premium rider provides a refund of some or all premiums paid if the insured outlives the term of the policy, but does not address premium payments during disability. Lastly, a Loan provision allows the policyholder to borrow against the cash value of the policy, but again does not pertain to the non-payment of premiums due to an inability to work