An individual with a lifelong heart murmur is likely to receive which type of rider in their disability policy?

When an individual has a lifelong heart murmur, it represents a pre-existing medical condition that insurers often assess closely when underwriting a disability policy. In this context, an Exclusionary/Impairment rider is a common response from insurers. This rider specifically excludes coverage for disabilities related to the condition deemed at risk—in this case, the heart murmur.

The purpose of this rider is to allow the policyholder to still obtain disability insurance while acknowledging that the insurer will not cover any claims that arise specifically from that condition. This approach allows for the acceptance of the disability insurance application despite the higher risk associated with the heart murmur, thereby protecting both the insurer and the insured.

The other options do not align as closely with the situation described. A Non-Implication rider would imply that the condition is not considered at all in underwriting, which is unlikely with a known heart condition. An Automatic approval rider typically pertains to guaranteed acceptance without further medical review, which would not apply given the individual's health status. Lastly, a Guaranteed issue rider usually allows individuals to obtain insurance without evidence of insurability, often used for groups or situations with higher acceptance criteria, and would not specifically address the heart murmur concern.