Which of the following riders waives premiums if the insured becomes totally disabled?

The Waiver of Premium Rider is specifically designed to address the scenario in which the insured becomes totally disabled. When this rider is included in a life insurance policy, it stipulates that the insurance company will waive the premiums during the period that the insured remains disabled. This is particularly beneficial for ensuring that the policy remains in force without the insured having to worry about making premium payments during a time when they may be financially strained due to their disability.

In contrast, other riders do not serve this purpose. The Guaranteed Insurability Rider allows the policyholder to purchase additional coverage in the future without having to provide evidence of insurability, which is unrelated to waiving premiums in the event of disability. The Accidental Death Rider provides additional benefits if the insured dies as a result of an accident, but it does not concern premium payments. Lastly, the Payor Benefit Rider is designed for policies that cover minors and pays the premiums if the adult policyholder passes away or becomes disabled, but it doesn't apply to the insured's own disability. Therefore, the Waiver of Premium Rider is the only rider that directly waives premiums for total disability situations.