Optional provisions and riders are attached to a policy help protect policyholders and add benefits to cover their unique needs:
Life Policy Riders
| Waiver of Premium | Will waive the insured’s premium if the insured becomes disabled |
| Disability Income | The insured becomes totally disabled, as defined in the rider, the insured will begin to receive monthly disability income benefits after the elimination period |
| Accidental Death/Double Indemnity | The insured dies as a result of an accident within a specified period of time after the accident (usually 90 days), the policy will pay double the face amount to the beneficiary |
| Cost of Living | To protect beneficiaries from the effects of inflation over a period of time |
| Accelerated Death Benefit | Provide financial assistance in the event that you become diagnosed with a terminal illness. |
| Guaranteed Insurability | Also called a GI rider, is a life insurance rider which allows the owner of a life insurance policy to buy additional life insurance with no underwriting. A rider is an additional benefit to a life insurance policy beyond the death benefit. |
| Long Term Care Rider | Provides an acceleration of the death benefit to help pay for costs involved with long-term care. |
| Return of Premium Rider | A policy add-on that returns premium paid if the insured outlives the term of the policy. |