Which rider allows the insured to purchase additional disability income coverage, irrespective of insurability?

The correct choice is the Guaranteed Insurability Rider. This rider is specifically designed to allow the insured to purchase additional coverage at predetermined intervals without the need to provide evidence of insurability. This is particularly beneficial for individuals who may experience a change in health that could impact their ability to secure additional coverage in the future.

With a Guaranteed Insurability Rider, the insured has the peace of mind knowing they can increase their disability income protection when their needs grow—such as after a major life event, like getting married, having children, or receiving a promotion—without facing underwriting hurdles. This flexibility makes it a valuable addition for those who anticipate their income needs may change over time.