In health policies, which rider typically allows the policyholder to accelerate death benefits under certain conditions?

The terminal illness rider is designed specifically to allow policyholders to access death benefits before passing away if they are diagnosed with a terminal illness. This rider acknowledges that individuals facing a terminal diagnosis may have significant financial burdens, such as medical expenses or the need for care, that can be alleviated by accessing their life insurance benefits early. Such arrangements can provide policyholders with the necessary resources to manage their remaining time more comfortably.

In contrast, an accidental death rider enhances a life insurance policy by providing additional benefits in the event of death due to an accident, but it does not allow for benefits to be accessed while the insured is still alive. The waiver of premium rider suspends premium payments in the event of total disability but does not facilitate the access to death benefits. The coverage extension rider typically refers to additional coverage options but does not directly relate to the acceleration of benefits under dire health conditions.