Which rider could decrease the policy death benefit if utilized?

The automatic premium loan rider can decrease the policy's death benefit if it is utilized. This rider provides a way for the insurance company to automatically take a loan against the cash value of the policy to pay for premiums that have not been paid by the policyholder. When this loan is taken, the outstanding amount, along with any accrued interest, will be deducted from the death benefit upon the policyholder's death.

If the policyholder does not pay the premium and the rider kicks in, the amount borrowed reduces the total benefit that the beneficiaries would otherwise receive upon the insured's death. Therefore, while the rider helps in maintaining the policy in force, it has a direct impact on the amount that will be paid out, illustrating how it can decrease the death benefit when utilized.

Other riders, such as the waiver of premium rider, guaranteed insurability rider, and accidental death benefit rider, serve different purposes that do not reduce the policy's death benefit in the same way. The waiver of premium rider allows the policy to remain in force without premium payments during times of disability, while the guaranteed insurability rider enables the policyholder to purchase additional coverage without medical underwriting. The accidental death benefit rider provides an additional benefit specifically for death resulting from an