Which of the following riders increases the death benefit annually without medical evidence?

This rider allows for the return of premiums paid if the insured outlives the policy term, but it does not increase the death benefit annually. Instead, it focuses on the reimbursement of premiums and is not dependent on any medical evidence, but it does not offer the same inflation protection as a cost-of-living rider.

The accidental death rider provides an additional benefit if the insured dies due to an accident. However, it does not increase the death benefit annually and is contingent on the cause of death, which must be accidental. Thus, it does not relate to medical evidence or annual increases.

This option allows the policyholder to purchase additional coverage at specified times without providing medical evidence, but it does not automatically increase the death benefit annually. It offers flexibility for future coverage needs rather than adjusting the current benefit for inflation.