Which of the following riders allows increasing the death benefit without proof of insurability?

The guaranteed insurability rider is designed to provide policyholders with the option to increase their death benefit at specified times without the need to provide proof of insurability. This feature is particularly valuable for individuals who anticipate changes in their circumstances, such as marriage, the birth of a child, or an increase in income, which may warrant a higher level of life insurance coverage.

This rider typically allows for the purchase of additional coverage at predetermined ages or life events, ensuring that as the insured's needs grow, they can secure additional protection without facing the potential challenges associated with underwriting and health evaluations. This is crucial in situations where an individual’s health may change, making them less insurable or more expensive to insure in the future.

In contrast, other riders listed do not offer this same benefit. For example, the waiver of premium rider allows policyholders to skip premium payments if they become disabled but does not pertain to increasing the death benefit. The accidental death rider provides additional benefit coverage in case of death by accident, but it also does not allow for benefit increases based on health status. Lastly, the term conversion rider permits the policyholder to convert their term insurance into permanent insurance without providing evidence of insurability but does not increase the death benefit by