Which of the following riders can be added to a life insurance policy to cover additional needs as they arise?

The living benefits rider stands out as the correct choice because it provides policyholders with additional flexibility to access a portion of their death benefit while they are still alive, typically in the event of a terminal illness or other critical health conditions. This feature addresses unforeseen needs that may arise due to severe health issues, allowing the insured to fund medical expenses, cover everyday living costs, or make lifestyle adjustments during challenging times.

The other options have more specific use cases. The term rider is typically a temporary addition to a permanent policy that allows for additional coverage for a set period, but it doesn't inherently address unexpected future needs or changes in circumstances. The accidental death rider only provides additional benefits in the case of death by accident, focusing on a specific scenario rather than broader needs. The waiver of premium rider offers a way to keep the policy active without premium payments in case of disability, but it does not provide access to funds or benefits that can be used for various emerging requirements.