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Life Insurance Rider / Option.

Learn about all available life insurance riders.
From ADB(Accelerated Death Benefit) to Waiver of Premium, here are list of most commonly known riders.

Rider(s)
Add-on agreement/provision for existing/new life insurance contracts.  Addition to life insurance death benefit, rider(s) provide extra/additional protection. These riders usually  costs the policyholder an additional amount.

Accelerated Death Benefit 
Allows the insured to collect either a portion or all of their life insurance policy while they are alive

Accidental Death Benefit
Secures an additional money to be paid to the beneficiaries if the policy holder dies as a result of an accident

Automatic Premium Loan Provision
Automatic policy loan will be made from the policy's cash valueto pay the premium at the end of the grade period if the premium due has not been paid yet.

Cost of Living Rider
Enables you to upgrade or increase additional insuracne each year to help offset increasing insurance due to inflation

Child Term Rider
Provides a death benefit in case a child dies before a specified age.

Family Income Benefit Rider
Provides a continuous monthly payment to your partner or family in the even of your death

Guaranteed no-lapse rider
Relieves the policy owner of responsibility to monitor his cash value by inposing a premium payment schedule on a universal life insurance policy

Level Term Rider
Provides a consistent amount of term insurance that is added to a permanent life policy for a specified period of time

Long-Term Care Rider
In the event that the insured's bad health compels him or her to stay at a nursing home or receive home care, this rider offers monthly payments.

No-lapse guaranteed death benefit rider
Frees the policy owner from responsibility over his cash value growth

Overloan Protection Rider
Provides that the policy will not terminate because of a policcy loan even if the accumulation value is insufficient to cover policy charges.

Payor Benefit Rider
If a premium payor dies or becomes disabledprior to the minor's reaching majority, the sebsequent premiums due are automatically waived.

Renewal Provision/Guranteed Insurability Rider
This rider guarantees your life insurance policy's renewability at the end of its term

Return of Premium Rider
Under this rider, as long as you pay a marginally premium and at the end of the term, your premiums are guaranteed to returned back in full

Spousal Rider
Converts a single-life insurance policy into a multiple-life insurance policy, providign coverage for both you and your spouse

Term Conversion Rider
Lets you convert term life insurance into permanent life insurance without undergoing a medical exam

Transplant Riders
Supplement medical expense plans with higher limits and special benefits for an insured needing an organ transplant

Unemployment Rider
Waive the requirement ro make premium paymens for duration of usually not more than one year in the event of the insured's unemployment

Waiver of Premium Rider (Disability)
Waives the responsibility to pay the premium if and when the policyholder becomes disabled, during the length of the time the policyholder is disabled



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