What rider allows an insured to buy additional coverage without proof of insurability?

The Guaranteed Insurability Rider (GIR) is designed to provide the insured with the option to purchase additional life insurance coverage at specified times without the need to provide proof of insurability. This means that even if the insured’s health changes negatively, they can still secure additional coverage, which is a significant benefit for those concerned about future insurability due to age or health issues.

This rider typically specifies certain life events, such as marriage or the birth of a child, when the insured is allowed to increase their coverage. It ensures that changing circumstances do not hinder the insured’s ability to expand their life insurance policy as needed.

In contrast, other riders mentioned in the question serve different purposes. The Accidental Death Benefit Rider provides an additional benefit if the insured dies due to an accident. The Waiver of Premium Rider allows the policyholder to skip premium payments due to disability but does not pertain to buying additional coverage. The Long-Term Care Rider offers benefits for long-term care expenses, again unrelated to purchasing more insurance without proof of insurability. Thus, the GIR stands out as the correct choice for allowing increased coverage without the additional scrutiny of health analysis.