Riders

Riders are added benefits or amendments to your insurance policy. They can be purchased to expand or restrict benefits or exclude certain conditions from coverage on your policy. Each rider is subject to the specific insurance company's underwriting guidelines. The terms and conditions governing each rider can be found in your policy.

A Term Insurance Rider can be added to Whole Life or Universal Life policies as an affordable way to increase death benefits while still enjoying the benefits of a permanent policy. Other popular riders allow for depositing excess premium in a policy to accumulate added cash values, or providing a waiver of premiums if you become totally disabled before a specified age. An accidental death rider pays additional benefits if you die of accidental causes. Another common rider is the unemployment rider, which waives the premium during periods of unemployment.

Each rider is subject to the terms and conditions of the company which are stated in your policy contract.

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