An individual with a heart murmur might receive which type of rider in their disability policy?

A heart murmur can indicate underlying health issues, which might affect the individual's overall insurability and the risk the insurer would take on by providing disability coverage. An exclusionary or impairment rider is a provision added to a policy that excludes coverage for specific pre-existing conditions or impairments. By including this rider, the insurer can limit their exposure to financial risk while still offering a policy to the individual.

In the case of someone with a heart murmur, the insurer may be unwilling to cover any disability directly resulting from that condition but would still provide coverage for other disabilities unrelated to the murmur. This allows the individual to obtain some level of protection while acknowledging the increased risk associated with their health condition.

The other options do not apply in this situation. A guarantee issue rider offers coverage without underwriting, which would not be suitable for a condition that necessitates scrutiny. A partial waiver rider allows for some benefits to be waived under specific circumstances but does not specifically address pre-existing conditions. A conversion rider typically allows policyholders to convert term insurance to permanent coverage but isn’t relevant to disability insurance in the context of an individual with a heart murmur.