What rider pays an additional amount equal to all premiums paid upon the policyholder's death?

The return of premium rider is a valuable addition to a life insurance policy that provides a significant benefit to the policyholder's beneficiaries. This rider ensures that, upon the death of the policyholder, the beneficiaries will receive an amount equal to all premiums that have been paid into the policy.

This feature is particularly appealing to individuals who want to ensure that their investment in the insurance policy is not lost if they pass away, regardless of when that may be. It essentially acts as a form of guaranteed return on the premiums paid, making it a more attractive option for policyholders who may be concerned about the loss of their financial contributions in the event of their death.

In contrast, other riders serve different purposes. The waiver of premium rider waives the premium payments if the policyholder becomes disabled, but it does not provide a refund of past premiums upon death. The accidental death rider pays an additional benefit only if the insured dies as a result of an accident, and it doesn't cover all premiums paid. The guaranteed insurability rider allows policyholders to purchase additional coverage at specified times without providing evidence of insurability but does not concern itself with the return of premiums upon death. Thus, the return of premium rider distinctly fulfills the condition of returning all