Under what condition would the payor benefits rider void the payment of premiums?

The payor benefits rider is a provision in a life insurance policy designed to waive the premium payments if the policyholder—often a parent or guardian—becomes unable to pay due to specified conditions, typically involving disability. In this context, the correct answer pertains to the duration of the disability.

When the father is disabled for more than 6 months, the rider typically activates and allows for the waiving of premiums, meaning that the insurance coverage can continue without the need for premium payments during this period of disability. This provision is particularly beneficial as it ensures that the policy remains in force to protect the interests of the insured dependents, such as the daughter, even if the policyholder faces financial challenges due to their inability to work.

While the other scenarios presented do not trigger the waiver of premiums outlined in this rider, understanding the specific duration of disability that invokes the rider is essential. The threshold of 3 months is typically insufficient, while passing away or the daughter reaching adulthood implies entirely different circumstances regarding the policy's status and coverage. The key focus of the rider is on the parent's prolonged inability to work, which directly aligns with the specific condition of being disabled for more than 6 months.