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

A Long Term Care rider is designed to provide benefits for the cost of long-term care services when the insured is unable to perform two or more activities of daily living (ADLs). These activities typically include bathing, dressing, eating, toileting, and transferring. When an individual can no longer perform these essential tasks independently, they may require assistance or care, which can be quite expensive. The Long Term Care rider can help alleviate the financial burden of these healthcare costs by allowing the policyholder to access funds from their life insurance policy for necessary care services.

This rider adds a layer of protection by ensuring that if the insured faces such a debilitating situation, they will still have resources available to manage their care effectively, thus providing peace of mind and financial support during a challenging time. Other riders listed do not specifically address the needs arising from an inability to perform ADLs.