Which life insurance benefit is triggered by a specific period of disability?

The waiver of premium benefit is specifically designed to become active when the policyholder experiences a defined period of disability. This benefit allows the insured to stop paying premiums on their life insurance policy without losing coverage during the duration of their disability. It underscores the policy's support of the insured during challenging times, ensuring that they can maintain their life insurance protection even if they are unable to earn an income due to their disability.

In contrast, the other benefits listed do not hinge on a specific duration of disability. The accidental death benefit pays out only in the event of the insured's death due to an accident. The surrender value benefit pertains to cash received if a policyholder decides to terminate their policy, and the cash value benefit relates to the accumulation of savings within a whole life policy, which can be accessed or borrowed against over time. None of these options are contingent upon a defined period of disability, making the waiver of premium the clear answer in this context.