Which of the following would likely increase the total monthly benefits an insured receives?

The inclusion of additional riders in an insurance policy can significantly enhance the total monthly benefits an insured receives. Riders are supplementary provisions that modify the standard contract by adding benefits or coverage options that are not typically included in the base policy. For instance, a critical illness rider may offer a lump-sum benefit if the insured is diagnosed with a specified illness, while a disability income rider could provide a monthly income replacement if the insured becomes unable to work due to a covered event. By incorporating these riders, the insured can receive not only the standard monthly benefit but also additional financial support tailored to their specific needs or circumstances, thereby increasing the overall benefits.

Other factors mentioned, like higher monthly premiums, lower deductibles, or extending the coverage period, either do not directly increase the benefits received per month or may be associated with different considerations within the policy framework. Higher premiums typically correlate with increased coverage or benefits, but unless specifically tied to riders or additional benefits, it does not guarantee an increase in the actual benefit amounts received each month. Similarly, lower deductibles can make it easier to claim benefits, but they do not directly affect the total amount of monthly benefits. An extended coverage period allows benefits to be available for a longer duration but does not necessarily result in a larger