If an insurer determines the insured is totally disabled, the policyowner is relieved of paying the policy premiums as long as the disability continues. This statement describes the

A double indemnity rider provides an additional benefit in the event of accidental death, effectively doubling the death benefit payable to beneficiaries. This rider does not offer any provisions related to disability or premium payments, making it unrelated to the scenario described.

A disability income rider provides a monthly income benefit to the policyholder if they become disabled. While it addresses the financial implications of disability, it does not relieve the insured of their responsibility to pay premiums during the disability period, which is the key aspect highlighted in the question.

A return of premium rider ensures that if the policyholder outlives the term of the policy, they receive a refund of the premiums paid. This rider focuses on the return of premiums rather than providing relief from premium payments during a disability, making it unsuitable as an answer to the question.