What is a disability income rider typically found in?

A disability income rider is typically found in a life insurance policy because it provides additional benefits that complement the basic coverage. This rider allows the policyholder to receive a monthly income if they become disabled and are unable to work, which helps to maintain financial stability during a challenging time.

Life insurance policies are designed to provide a death benefit to beneficiaries upon the death of the insured. By adding a disability income rider, the policy not only offers this death benefit but also steps in to provide income replacement should the policyholder suffer a disabling event, thus enhancing the overall value of the life insurance coverage.

Policies like accidental death, health savings accounts, and automobile insurance do not typically involve a disability income rider. Accidental death policies focus solely on the benefits payable due to accidental death. Health savings accounts are savings vehicles for medical expenses and do not provide income replacement or death benefits. Automobile insurance primarily covers damages and injuries related to vehicles, without provisions for disability income related to the insured's lost earnings.