Life insurance riders are optional add-ons that modify or expand the coverage provided by a base life insurance policy. Riders allow policyholders to tailor protection to specific financial risks, life events, or personal needs. While riders increase flexibility, they can also affect premiums, benefits, and long-term policy value.
This sub-pillar explains the most common life insurance riders, how they work, and when they may or may not be appropriate.
Below are the 20 supporting articles for this sub-pillar.
- What Life Insurance Riders Are and How They Work
- Accidental Death Benefit Rider Explained
- Waiver of Premium Rider in Life Insurance
- Accelerated Death Benefit Rider Explained
- Child Rider in Life Insurance Policies
- Spousal Rider in Life Insurance Policies
- Guaranteed Insurability Rider Explained
- Disability Income Rider in Life Insurance
- Long-Term Care Rider vs Standalone LTC Insurance
- Critical Illness Rider in Life Insurance
- Terminal Illness Rider Explained
- Return of Premium Rider in Term Life Insurance
- Paid-Up Additions Rider in Whole Life Insurance
- Cost of Living Adjustment Rider Explained
- Family Income Rider in Life Insurance
- Riders That Increase Life Insurance Premiums
- Riders With Little or No Additional Cost
- When Life Insurance Riders Make Sense
- Common Mistakes When Choosing Life Insurance Riders
- How to Compare Life Insurance Riders Across Policies
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