Understanding Life Insurance Riders

Riders are optional add-ons to your life insurance policy that provide additional benefits beyond the basic death benefit. They can customize your policy to fit your specific needs.

Common Life Insurance Riders

• Accidental Death: Doubles the death benefit if death is accidental.
• Waiver of Premium: Waives premiums if you become disabled.
• Accelerated Death Benefit: Allows you to access death benefit if diagnosed with a terminal illness.
• Child Rider: Provides small coverage for each child.
• Guaranteed Insurability: Allows you to purchase additional coverage at future dates without medical underwriting.

Not sure which riders you need? Our licensed agents can help you build the right policy.

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