What riders might you suggest for a permanent policy if your client is concerned about future health problems, including possible disability issues?

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The Answer is Three riders that would address the client's concerns are: the guaranteed insurability option, the disability waiver of premium, and the disability income rider.
The guaranteed insurability option enables the insured to purchase additional insurance at specific times or intervals without the evidence of insurability. The amount of additional insurance is specified in the contract. This option is valuable in that it offers excellent flexibility for future planning.
A disability waiver of premium rider suspends premium payments when the insured becomes totally disabled. In such a situation, the policy would continue as though premium payments were being made, and cash value would continue to accumulate. The rider would define disability, which could change over time. For example, one rider might state that during the first five years, the insured would be considered totally disabled if he or she could not be employed. This definition, however, might change after five years to something more lenient, such as "any job for which the person is reasonably trained." As stated, disability waivers typically end at a certain age (such as the age of 65).
With a disability income rider, the insured would receive a certain amount of monthly cash flow during the disability period.

What Riders Might You Suggest for a Permanent Policy If