Texas Life Insurance Exam 2025 – 400 Free Practice Questions to Pass the Exam

A rider for long-term care specifically addresses the needs of individuals who may require assistance with daily living activities over an extended period. This rider provides benefits for long-term care services, such as nursing home stays, in-home care, or assisted living facilities, but only under certain predefined conditions.

These conditions usually include triggering events, such as the inability to perform a set number of daily living activities or the diagnosis of a cognitive impairment. The purpose of including a long-term care rider in a life insurance policy is to allow policyholders to access their death benefits to help cover the costs associated with necessary long-term care. This can provide financial support during a time when medical expenses may be significant, helping to alleviate the burden of potential high costs related to prolonged care.

Other options, such as lump sum payments for funeral expenses, critical illness treatments, or travel-related incident coverage, do not align with the primary intent of a long-term care rider. Therefore, the focus on services specifically designed to address long-term care needs distinguishes this option as the correct choice.