Which of the following riders allows early payment due to terminal illness?

The Living Needs Rider is designed specifically to allow policyholders to access a portion of their life insurance benefits if they are diagnosed with a terminal illness. This rider provides an important financial cushion during a challenging time, enabling individuals to cover medical expenses, enhance their quality of life, or fulfill personal wishes while they are still alive.

While other riders have their own specific purposes, they do not provide the same benefit in relation to early payment for terminal illness. The Disability Income Rider, for instance, offers income replacement if the policyholder becomes disabled, but it does not impact the death benefit. The Long-Term Care Rider allows for withdrawals to cover long-term care costs but is not tied directly to terminal illness. The Conversion Rider is related to changing a term policy into a permanent one but does not provide any provisions for accessing funds early due to health conditions.

Thus, the Living Needs Rider stands out for its unique offering that assists individuals facing terminal illnesses by granting them early access to life insurance benefits.