Which rider provides continuity of insurance to a child in case the premium payor is unable to pay?

The Payor Rider is designed specifically to provide continuity of coverage for a child if the premium payor, typically the parent or guardian, becomes unable to pay the premiums due to a disabling event or death. This rider ensures that the life insurance policy stays in force for the child without requiring premium payments from the payor during the specified time period when they are unable to do so.

This feature is particularly beneficial as it guarantees that the child will not lose their insurance coverage during potentially difficult times, allowing them to maintain access to their benefits without interruption. The rider effectively addresses concerns about child insurance protection, ensuring that their future insurability remains intact despite any unfortunate circumstances affecting the payor's ability to meet financial obligations.

The other riders mentioned serve different purposes; for instance, a Disability Income Rider provides income protection for the insured in case of a disability, the Accelerated Benefits Rider allows access to death benefits under certain conditions, and the Guaranteed Insurability Rider permits an individual to purchase additional coverage without evidence of insurability in the future. Each serves a unique role, but the Payor Rider is specifically tailored to assist minors in maintaining their coverage under adverse conditions affecting their financial support.