Rhode Island Life Insurance Practice Exam

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Prepare for the Rhode Island Life Insurance Exam with comprehensive quizzes. Utilize flashcards and multiple choice questions, each equipped with hints and detailed explanations to ensure you're well-prepared for your certification!

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An inability to perform two or more activities of daily living may allow access to which rider in a life policy?

Accelerated death benefit rider
Long term care rider
Waiver of premium rider
Accidental death and dismemberment rider

The correct answer is: Long term care rider

When an individual is unable to perform two or more activities of daily living, this condition often triggers the benefits of a long-term care rider in a life insurance policy. This rider is designed specifically to provide financial support to policyholders who require assistance with basic functions such as bathing, dressing, eating, toileting, and transferring. By having this rider, policyholders can access funds to cover long-term care services, which can significantly alleviate the financial burden associated with such care needs. The long-term care rider is intended to help individuals maintain their quality of life during periods of illness or incapacity, making it a critical component for those planning for future healthcare scenarios. The ability to access these benefits is directly connected to the inability to perform essential daily activities, making the long-term care rider the appropriate option in this context.