What benefit allows policyholders to maintain their coverage even if they're unable to make payments due to specific circumstances?

The benefit that allows policyholders to maintain their coverage even if they're unable to make payments due to specific circumstances is the waiver of premium. This provision is particularly important for those facing financial hardships due to unforeseen events such as disability or serious illness.

When a policyholder qualifies for the waiver of premium, the insurer waives the requirement to pay premiums for a specified period or until the policyholder is able to resume payment. This ensures that their life insurance remains in force during challenging times, preventing lapses in coverage that could leave policyholders and their beneficiaries vulnerable.

The other options, while relevant in different contexts of insurance, do not specifically address the issue of premium payments during financial difficulties. For instance, the accidental death benefit provides additional coverage in the case of an unexpected death, while the disability income benefit offers financial support in the form of income replacement if the insured becomes disabled. Supplemental coverage generally refers to additional insurance that amplifies existing coverage but also does not relate to maintaining base policy coverage during payment challenges.