Which insurance pays a monthly benefit equal to a loan payment during the insured's total disability?

Credit Disability Insurance is designed specifically to cover monthly loan payments in the event that the insured becomes totally disabled and is unable to work. In this scenario, when a person is disabled due to illness or injury, this type of insurance provides a benefit that acts as a safeguard against financial strain by ensuring that their loan obligations are met. This can be particularly important for protecting the policyholder's credit score and preventing loss of assets, as it helps maintain payments on loans for things like mortgages, car loans, or credit cards.

The other options, while related to health and financial protection, don’t serve the same specific purpose. Hospital Income Insurance is geared towards providing a fixed daily benefit for hospitalization, which does not directly relate to loan payments. Limited Coverage refers to insurance policies that offer restricted benefits for specific illnesses or conditions, typically lacking the comprehensive support needed during total disability. Individual Health Insurance covers medical expenses associated with illness or injury, but it does not specifically target loan payment obligations, making it less relevant to this scenario.