What is true about the buy-up option in a disability income insurance policy for professionals?

The buy-up option in a disability income insurance policy for professionals allows the insured to increase their coverage without needing to provide evidence of insurability. This feature is especially beneficial for individuals whose income may rise over time or who may find themselves in need of additional coverage due to lifestyle changes. By enabling the insured to enhance their policy without undergoing medical underwriting, this option facilitates easier access to increased benefits, aligning with their current professional and financial status.

The premise is that professionals might experience career advancements or a rise in income and would want to ensure that their disability coverage reflects their current needs. This option is designed to maintain flexibility and responsiveness to the insured's changing circumstances without the burden of proving health status when upgrading coverage.