Riders are optional add-ons that can provide extra benefits or features to your policy:
- Accidental Death Rider: Provides an additional death benefit if death results from an accident.
- Waiver of Premium Rider: Waives premiums if you become disabled and can’t work.
- Critical Illness Rider: Pays a portion of your death benefit if you’re diagnosed with a qualifying serious illness (like cancer or heart disease).
- Return of Premium Rider: For term policies, this rider reimburses all premiums paid if you outlive the policy term.
Adding riders increases your premium, but they can offer significant extra protection.
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