Which rider allows the insured to purchase additional amounts of coverage at a specified age?

The Guaranteed Insurability Rider is the correct choice because it specifically grants the insured the right to purchase additional coverage at certain specified ages or life events without having to provide evidence of insurability. This means that as the insured's needs change over time—such as getting married, having children, or simply aging—this rider offers the opportunity to increase coverage to better meet those evolving needs. It provides a level of financial security, allowing individuals to adapt their insurance policies as their circumstances change, without the concern that health issues may prevent them from obtaining additional coverage.

Other options are geared toward different functionalities related to insurance policies. For example, an Accidental Death Benefit Rider provides additional benefits if the insured dies due to an accident but doesn’t allow for the purchase of extra coverage. The Waiver of Premium Rider enables the insured to skip premium payments if they become disabled, but it does not allow for acquiring more coverage. Lastly, the Term Conversion Rider permits the insured to convert their term life insurance policy into a permanent one without needing to show proof of health, but it also does not facilitate the purchase of additional coverage at specified ages.