Which disability income rider allows the insured to purchase additional coverage at specified intervals without evidence of insurability?

The future increase option is a disability income rider that provides the insured with the ability to purchase additional coverage at predetermined intervals, often on an annual basis, without the need to demonstrate insurability. This feature is particularly beneficial for individuals whose income may rise over time, allowing them to increase their benefit amounts in line with their increasing financial needs or living expenses, without having to undergo medical underwriting again. It promotes financial security by ensuring that the insured can adapt their coverage to fit their lifestyle and income trajectory without the concerns associated with potential changes in health status that might occur over time. This adaptability is a key selling point of the future increase option, making it an essential tool for those seeking to protect their income against disability in a way that evolves with their career and personal circumstances.