A client is considering a Universal Life policy for its flexibility. They are concerned about potential future health issues and want to maximize the policy's utility. Which rider would be most beneficial for them to consider to provide financial relief in case of a critical illness diagnosis?

Question: A client is considering a Universal Life policy for its flexibility. They are concerned about potential future health issues and want to maximize the policy's utility. Which rider would be most beneficial for them to consider to provide financial relief in case of a critical illness diagnosis?

Answer options:

• Waiver of Premium Rider for Disability
• Guaranteed Insurability Rider ✅ Critical Illness Rider
• Accidental Death Benefit Rider

Correct answer: Critical Illness Rider

Explanation: A Critical Illness Rider provides a lump-sum payment upon diagnosis of a covered critical illness, offering financial relief for medical expenses or income replacement, which directly addresses the client's concern about future health issues.