Which rider would be beneficial for an individual expecting to increase their benefits in the future?

The Guaranteed Insurability Rider is particularly beneficial for individuals anticipating an increase in their benefits in the future. This rider allows policyholders to purchase additional insurance coverage at specified times without having to provide evidence of insurability or undergo medical underwriting. This means that as the individual's income grows or their needs change, they can secure more coverage to match their evolving situation, such as increased financial responsibilities or family size.

This rider is especially valuable for young professionals who might anticipate salary increases or other life changes that could require additional insurance. By locking in the opportunity to increase coverage without concerns about potential health issues that might arise later, the individual can ensure they remain adequately protected.

In contrast, the Cash Surrender Value Rider focuses on the cash value of a policy, which may not directly align with a future need for increased coverage. The Cost of Living Adjustment Rider is designed to adjust benefits in accordance with inflation, which is more about maintaining purchasing power rather than increasing overall benefits. Lastly, the Change of Occupation Rider allows for adjustments based on the insured's occupation, which may affect premiums but does not provide a means to increase coverage amounts. Hence, the Guaranteed Insurability Rider serves the specific need for future benefit enhancements effectively.