Which of the following provides income replacement in the event of long-term disability?

Disability insurance is specifically designed to provide income replacement in the event that an individual becomes disabled and is unable to work for an extended period. This type of insurance typically pays a percentage of the policyholder's income, ensuring that they have financial support during times when they cannot earn a salary due to a disability.

In contrast, whole life insurance and term life insurance are focused on providing a death benefit to beneficiaries upon the insured's death, and neither offers income replacement while the insured is alive. Health insurance, while it covers medical expenses associated with disabilities, does not provide direct income replacement to the insured who cannot work. Therefore, disability insurance is the only option that directly addresses the need for financial support when faced with a long-term disability.