19. Simon and Maryse are married and have two children aged two and four. They have agreed that Maryse would stay home with the children until the youngest turns 18. Simon would like to purchase and pay premiums on a $200,000 term life insurance policy on Maryse so that he can hire a caregiver for his children in the event Maryse dies prematurely. Simon tells his insurance agent that he would not like to see the policy lapse due to non- payment if he were to become disabled before his children turned 18. Which rider or supplementary benefit should the agent provide on the policy to reassure Simon? O Waiver of premium for total disability of the insured. Waiver of premium for total disability of the payor. O Paid-up additions rider. 0 Child coverage rider. Choose 1 option.