Which of the following riders would provide coverage in the event of terminal illness?

The accelerated death benefit rider is a provision that allows the policyholder to access a portion of their life insurance death benefit while still alive in the event of a terminal illness diagnosis. This can provide critical financial support during a challenging time, enabling the insured to cover medical expenses, make necessary arrangements, or fulfill personal desires while they are still able.

This rider is particularly valuable because it directly addresses the financial needs that can arise from a terminal illness, facilitating greater peace of mind for both the insured and their beneficiaries. It's important to note that the amount accessed through this rider will reduce the total death benefit payable to beneficiaries after the insured's passing.

The other riders listed serve different purposes. An accidental death rider provides additional benefits if the insured dies as a result of an accident. A chronic illness rider typically offers benefits if the policyholder becomes chronically ill but does not specifically address terminal illnesses. The waiver of premium rider allows the policyholder to skip premium payments in the event of disability but does not involve accessing death benefits during life.