Which of the following is a common rider in life insurance?

Many life insurance policies come with riders, which are additional benefits that can be added to a policy for an extra cost or included as standard benefits in some cases. The accelerated death benefit rider allows policyholders to receive a portion of the death benefit while still living if they are diagnosed with a terminal illness. This can help cover medical expenses or provide for family needs during a difficult time.

The long-term care rider provides benefits that can be used for long-term care expenses, making it easier for policyholders to afford care if they become unable to perform daily activities independently. This rider can help protect the policyholder's assets and provide necessary financial support for care services.

The disability income rider provides policyholders with a source of income if they become disabled and are unable to work. This rider can ensure that individuals have funds to cover living expenses during their recovery or disability.

Including all of these options demonstrates that riders can be tailored to address various needs related to health crises, long-term support, and income stability, making "all of the above" the correct answer as it highlights the versatility and commonality of these riders within life insurance policies.