Quora Answer: Is There a Life Insurance with Disability Rider?

The following is my answer to a Quora question: “Is there a life insurance with disability rider?”

Most whole life plans and term life plans have a disability rider which we call “Total & Permanent Disability”.  However, the definition of what constitutes it is still the same, which is the inability to perform two of the six activities of daily living.  There are also insurance policies that cover solely disability.  There are also options for premium waiver upon claim from the policy, or upon the disability of the policy owner even though he is not the life insured.  There are options out there, and I suggest you speak to a broker, or a financial services consultant.