Robert is concerned about maintaining the integrity of his disability coverage over the long$-$term. Only $33,$ he would like coverage to age $65.$ He is most concerned that he would incur a permanent disability over the course of the next five to $10$ years, his peak activity years in the business and the effect that inflation might have, long$-$term, on his disability income. He expects inflation to return to the $4-5\%$ range in the near future and to stay at that level, long$-$term.

Which of the following policy options would best match up with his objectives?

Question $14$ options:

A$)$

A guaranteed insurability rider

B$)$

A lifetime benefit option

C$)$

A cost of living rider

D$)$

A future purchase option rider