Which rider dramatically adds to the monthly payment due to the company?

The Return of Premium Term Rider significantly adds to the monthly payment due to the company because it offers the policyholder the ability to recover the total premiums paid if they outlive the policy term. This rider provides an added incentive for the insured, making the life insurance policy not only a protection tool but also a potential investment. Because the insurance company needs to factor in the cost of returning the premiums, it adjusts the base premium amount upward, leading to higher monthly payments.

In other cases, riders like the Waiver of Premium or the Guaranteed Insurability Rider may enhance the policy benefits but are typically structured in a way that does not dramatically affect the premium amount. The Cost of Living Rider adjusts benefits according to inflation or cost-of-living increases but usually does not dramatically change the cost of the premium itself compared to the substantial increase seen with the Return of Premium Term Rider.